Workers Compensation Review Quiz

The most severe type of injury under workers compensation would be: A. permanent total; B. temporary total; C. permanent partial; D. temporary partial

A. A permanent total disability usually prevents the employee from ever returning to his job. Some states provide for rehabilitation to enable the employee to perform some other types of employment.

All of the following are true of the workers compensation law EXCEPT: I. The cost is paid by the employee; II. Payment is made without regard to negligence; III. Pay employees medical expenses, loss of time benefits, death benefits and scheduled injury payments. A. I only; B. II only; C. II & III; D. I, II & III

A. It is the employer that pays the cost of workers compensation coverge.

What is the primary objective of workers compensation? A. The payment of benefits to employees for injuries arising out of their employment: C. To provide accident insurance for employees both on and off the job; C. To improve employee's working conditions; D. None of the above

A. The primary purpose is the payment of benefits to employees for their job-related injuries or illnesses.

What is the purpose of the Federal Employers Liability Act? A. To cover railroad employees; B. To cover crew members of a ship; C. To cover black lung benefits for miners; D. To cover workers who load and unload ships

A. This act covers injuries to railroad employees.

Employers liability coverge in workers compensation insurance provides coverage for: A. Statutory claims brought against employer by the employee; B. Common law claims against employer by the employee; C. Claims in excess of basic policy limits; D. Claims for damage to property of others resulting from employment.

B. Coverage A applies to job related injuries and illnesses. Coverage B, employer's liability coverge applies to injuries sustained by the employee as a result of the negligence of the employer.

A severely sprained back rendering an employee unable to work for 6 wks is an example of a _________ disability. A. permanent total; B. temporary total; C. permanent partial; D. temporary partial

B. This is an example of a temporary total disablement. The employee should, in time, be able to return to work.

Which of the following statements about workers compensation is correct? A. Workers compensation benefits are identical in all states; B. Workers compensation is an exclusive remedy; C. Every state provides extraterritorial coverage; D. Workers compensation pays for incurred pain and suffering

B. Worker's compensation is the exclusive remedy for an injured employee as a result of a job-related injury or illness.

Which of the following individuals is likely to have a valid workers compensation claim? a. A retired employee injured while visiting his old workplace; B. An employee who suffers a diabetic coma on the job from failure to take prescribed medicine; C. An employee injured while performing an operation for which he had not yet been trained; D. A sole proprietor injured in an auto accident while driving to a friend's house.

C. All employee injuries are normally covered if they are job-related whether properly trained or not.

Workers compensation scheduled injury benefits are provided for: A. Permanent partial disability; B. Temporary total disability; C. Permanent total disability; D. All of the above

D. All of the responses are correct. These will vary by the various state statutes as respects the benefits schedules.

Workers compensation insurance provides coverage for all of the following EXCEPT: A. Medical benefits; B. Income Benefits; C. Funeral Benefits; D. Property Benefits

D. The workers compensation coverage does not apply to property losses. it only applies to job-related injuries or illnesses.