CH 14 Workers Comp

At what age will the child of an employee who died due to a work-related injury no longer be eligible to receive benefits from Workers' Compensation?

18 if not a full-time student

Under the Workers' Compensation policy, the insurer may audit records pertaining to the policy for up to how many years after the policy period ends?

3

Which of the following workers would be covered by The Federal Employers Liability Act?

A railroad worker

Which of the following workers would be covered by the Jones Act?

A sailor injured by the negligence of others (The Jones Act or Merchant Marine Act of 1920 applies to sailors injured by the negligence of others.)

Employers Liability Insurance will pay all the following claims, except:

An employee is injured while attending a company picnic at a nearby park

Which of the following workers would be covered by The Federal Employees Compensation Act?

An employee of the Federal government

Which statement is true regarding the Workers' Compensation Assigned Risk Plan?

Any employer who is unable to purchase coverage in the voluntary market can obtain coverage in the Assigned Risk Plan

Which of the following is true regarding the Workers' Compensation Assigned Risk Plan?

Any employer who is unable to purchase coverage in the voluntary market can obtain coverage under the Assigned Risk Plan

Which of the following is true concerning Workers' Compensation benefits?

Benefits are be paid to employees for their on-the-job injuries, regardless of negligence an anyone's part

In which type of system does an employer have the choice to provide Workers' Compensation benefits at its own option?

Elective

All of the following are methods of complying with Workers' Compensation laws, except:

Employee contribution plans

Exclusive remedy means that:

Employees covered by Workers' Compensation insurance cannot sue for work-related injury

Which statement is false regarding Workers' Compensation?

Employees may elect not to be covered at policy inception or renewal

Which of the following statements is false regarding Workers' Compensation law?

Employers are liable for injuries occurring outside the course of employment

Employers Liability Insurance is designed to do all of the following, except:

Extend policy benefits to states not listed on the Declarations page

The purpose of Part Two of the Workers' Compensation Policy is to:

Handle suits against the employer for damages arising from an injury to an employee when those damages are not covered by Workers' Compensation

Which of the following is true concerning monopolistic states regarding Workers' Compensation insurance?

In Monopolistic states, Workers' Compensation is only available through a state fund

Temporary Total Disability may be described as:

Inability to return to any employment while recovering

Which of the following is true of Employers Liability insurance?

It covers actions brought against the insured in a capacity other than as an employer

All of the following statements regarding the Voluntary Compensation endorsement is correct, except:

It exempts employers from state Workers' Compensation law.

Which statement regarding the purpose of Employers Liability Insurance is false?

It extends policy benefits to states not listed on the Declarations page

Which of the following is true about the Assigned Risk Plan?

It is intended for employers who are unable to purchase in the voluntary market

Which statement is true regarding the Employers Liability Insurance Part of Workers' Compensation?

It provides coverage for employment-related liability outside of Workers' Compensation statute

Which of the following is the best description of the Voluntary Compensation Endorsement under Workers' Compensation Insurance?

It provides coverage to employees that are not otherwise covered (Employers who do not come under the Workers' Compensation law of their state may elect to provide Workers' Compensation coverage for their employees through the Voluntary Compensation Endorsement.)

Which of the following expenses would not be reimbursed under the Workers' Compensation policy?

Loss of insured's earnings because the insurer requested the insured come to court

Which of the following Workers' Compensation benefits do not have a monetary limit?

Medical benefits

Which type of Workers' Compensation do not have a limit?

Medical benefits

Which type of system would provide Workers' Compensation benefits through a state fund only?

Monopolistic

The Workers' Compensation policy's guidelines for providing other state coverage do not include which requirement?

Monopolistic states may be listed on the information page

Which is not included in the general section of the Workers' Compensation policy?

Other insurance

Workers' Compensation provides coverage for all of the following, except:

Pain and suffering

In which section of the Workers' Compensation and Employer Liability policy would the premium amount be found?

Part Five (The policy Workers' Compensation contains the following parts: General Section, Part One - Workers' Compensation Insurance, Part Two - Employers Liability Insurance, Part Three - Other States Insurance, Part Four - Your Duties if Injury Occurs, Part Five - Premium, Part Six - Conditions.)

In which section of the Workers' Compensation and Employer Liability policy would the policy conditions be found?

Part Six

All of the following statements regarding a Workers' Compensation policy are correct, except:

Part Two of a Workers' Compensation Policy provides unlimited coverage

Employees exempted from Workers' Compensation laws include all of the following, except:

Part-time employees

To which disability would a scheduled benefit apply?

Permanent Partial

The Workers' Compensation Insurance Schedule of Benefits applies to:

Permanent Partial disabilities

A disability that prevents an employee from doing any work, and from which the employee is not expected to recover is known as a:

Permanent total disability (A permanent partial disability arises out of an injury which renders an employee able to do some work, but from which the employee will never fully recover. An employee can still earn a wage, but not as much as he/she would have earned if the injury had not occurred.)

Under which of the following circumstances will Workers' Compensation Insurance provide benefits to a worker due to a work-related injury?

Regardless of negligence by the employee or employer

Under the Workers' Compensation policy, physical therapy benefits are a type of:

Rehabilitation benefit

Under which section of the Workers' Compensation and Employers Liability policy would the insured's duties be found?

Section IV

A disability that prevents an employee from doing any work, and from which the employee is expected to recover is known as a:

Temporary total disability (A temporary total disability arises from an injury from which an employee is expected to recover and return to work, though unable to do any work while recovering.)

Employee W suffered a work-related back injury at a previous job. After being hired by a new company, W fell down a flight of stairs at work and reinjured his back? Which of the following is true regarding Employee W's benefits?

The Second Injury Fund will pay compensation to the extent the prior disabling injury contributed to the second injury

Which of the following Federal Workers' Compensation Laws applies to ship workers that load, unload, build and repair ships?

The U.S. Longshoremen and Harbor Workers' Compensation Act

What is the coverage territory for bodily injury claims under the Employers Liability coverage?

The United States, its territories, and Canada

Which of the following are found in the Workers' Compensation Policy Conditions section?

The cancellation policy

Under the Voluntary Compensation Endorsement to a Workers' Compensation Policy, an employer must provide which of the following?

The class of employees to be covered

Under the U.S. Longshoremen and Harbor Workers' Compensation Act, all of the following are covered, except:

The crew of a ship (The U.S. Longshoremen and Harbor Workers' Compensation Act applies to workers who load, unload, build, or repair ships (but not to the crew of the ship).

Which statement is not true of Temporary Total Disability?

The employee can work while recovering

Which of the following is not a characteristic of the employer-employee relationship as it related to Workers' Compensation coverage?

The employer signs a contract with the employee

Which of the following is false regarding Temporary Partial Disability benefits?

The injured employee will never return to his/her previous employment

Which statement is false regarding Workers' Compensation?

The premium is paid by the employee

Which of the following is not required by the Workers' Compensation policy's guidelines for providing "Other State" coverage?

The state work is performed in may not be a compulsory state

What is the primary objective of Workers' Compensation?

To provide a payment of benefits to employees for injuries that arise out of their employment

Most states provide Workers' Compensation medical benefits coverage up to what limit?

Unlimited coverage

An employee injured in an auto accident while on company business would be covered under the:

Workers' Compensation Policy