In which situation would a three-day waiting period apply?

A three-day waiting period applies in situations where the worker loses wages due to a compensable injury. This is a standard practice in many workers' compensation systems, where benefits are not paid for the first three days of lost work unless the employee is out of work for a longer duration, often beyond a certain threshold, such as a week.

In this context, the waiting period is designed to minimize small claims or temporary absences due to minor injuries. It helps in streamlining the claims process and reduces administrative burdens for employers and insurers. If a compensable injury occurs and the worker is unable to work, benefits are typically payable, but the initial three days act as a sort of deductible or initial waiting phase. If the worker remains out of work beyond the waiting period, benefits would commence retroactively from that injury date.

Other situations mentioned do not pertain to wage loss due to an injury and hence do not warrant a three-day waiting period in the context of compensable workers' compensation claims.