Unit 20: Workers' Compensation - Quiz Material

A particular state gives employers the option of purchasing workers' compensation insurance from a state fund or private company. This is an example of...

... a competitive state fund

In most states, workers' compensation laws apply...

... to most workers except those specifically excluded by law.

A certain state requires employers to purchase workers' compensation insurance from a state fund. This is an example of...

A Monopolistic State Fund

Which one of the following injuries would qualify as a compensable injury under worker's compensation laws? A. A factory worker fractures her arm while working overtime on the assembly line. B. A hotel maid falls down the stairs while cleaning her own home. C. A secretary accidentally swallows his gum while in the company's lunchroom and chokes when it gets lodged in his windpipe, D. A nurse gets into an accident and is injured on her daily commute into the hospital

A factory worker fractures her arm while working overtime on the assembly line.

Which common law defense allowed employers to deny liability on the basis that the employee knew what the situation was like before employment and assumed all of the risk of injury?

Assumption of Risk

If and insured has a loss history that is better than average what will be applied to reduce the workers' compensation premium?

Experience Modification Factor

Which of the following occupations is least likely to be exempt for coverage of workers' compensation laws? A. Certain farm and agricultural groups B. Charitable organization volunteers C. Casual Laborers D. High-risk Occupations

High-risk Occupations

Which of the following is not a benefit that is paid under workers' compensation laws? A. Medical B Rehabilitation. C. Disability Income D. Pain and Suffering

Pain and Suffering

Which part of the workers' compensation and employers liability policy coverage explains how the cost of the policy is determined. A. Part Two B. Part Three C. Part Four D. Part Five

Part Five

Which part of the Workers Compensation And Employers Liability policy provides automatic coverage for states not specifically listed on the information page for part one coverage?

Part Three

Which of these statements regarding workers' compensation benefits is not correct? A. Payment of medical benefits is very limited in terms of the types of services covered and the length of time benefits are paid. B. Survivor benefits pay a stipulated amount for funeral and burial expenses and a weekly benefit to surviving relatives C. Disability benefits are intended to replace a portion of lose income, but not all of it. D. Rehabilitation benefits cover both medical and vocational rehabilitation.

Payment of medical benefits is limited in terms of the types of services covered and the length of time benefits are paid.

All of the following are 3 seperate limits that apply under Part Two of the workers' compensation policy except A. Policy limit per accident B. Policy limit for all bodily injury claims by disease C. Policy limit per employee for bodily injury by disease D. Policy limit per year for all accidents

Policy limit per year for all accidents

Which one of the following methods is used if an employer sets up a fund to pay worker's compensation claims? A. Monopolistic method B. Competitve Method C. Self Insurance Method D. Private Insurer Method

Self Insurance Method

Which of the following sections of a policy form contain definitions and conditions that apply to the policy as a whole? A. The General Section B. Part One C. Part Two D. Part Three

The General Section

Which of the following is a federal law that allows members of a ship's crew to sue the ship owner for injuries caused by the ship owner's negligence? A. Longshore and Harbor Workers' Compensation Act B. Federal Employers Liability Act C. The Jones Act D. The Ship Act

The Jones Act