Exam 16 - P&C

Which of the following best describes a temporary total disability? A A disability that makes the employee unable to return to any employment while recovering B A disability that causes an employee to switch careers C Any disability that extends beyond 60 days D A disability from which no improvement is possible

A disability that makes the employee unable to return to any employment while recovering

In Workers' Compensation, an experience rating over 1.0 will cause: A A premium decrease B A premium increase C Policy cancellation D No change in premium

A premium increase

Employers Liability insurance will pay all the following claims, except: A An employee must hire transportation to take their child to school after a workplace injury leaves the employee unable to drive B An employee is injured while attending a voluntary company picnic at a nearby park C An employee's daughter brings action against the employer for mental anguish after her parent is killed in a workplace accident D After an injured worker is paid damages by the manufacturer of a defective machine that caused a workplace injury, the manufacturer sues the insured to recover those amounts

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

In Workers' Compensation insurance, classifications are used to: A Classify employees into exposure groups to estimate future claims B Classify employers with similar exposures to determine the rate and premium basis C Calculate remuneration to use as a premium basis D Calculate the final premium

Classify employers with similar exposures to determine the rate and premium basis

If a worker dies due to an occupational accident or disease, the deceased worker is owed death benefits, which include which of the following? A Survivor benefits B Funeral expense benefit C Disability income benefits D Vocational training

Funeral expense benefit

All of the following statements regarding a Workers' Compensation policy are correct, except: A Part Two of a Workers' Compensation policy provides unlimited coverage B Part Three of a Workers' Compensation policy provides Other States coverage C Part Five of a Workers' Compensation policy outlines the provisions related to the policy premium D Part One of a Workers' Compensation policy covers benefits owed to employees who sustain workplace injuries

Part Two of a Workers' Compensation policy provides unlimited coverage

Which of the following workers is typically eligible to receive Workers' Compensation benefits? A Casual laborer B Farm laborer C Part-time worker D Domestic employee

Part-time worker

Under Workers' Compensation laws, physical therapy benefits are a type of: A Disability benefit B Medical benefit C Rehabilitation benefit D Survivor benefit

Rehabilitation benefit

Under Workers' Compensation laws, vocational training benefits are a type of: A Rehabilitation benefit B Survivor benefit C Disability benefit D Medical benefit

Rehabilitation benefit

Which of the following federal Workers' Compensation laws applies to non-crew ship workers who load, unload, build, or repair ships? A The Federal Employees Compensation Act B The Jones Act C The Federal Employers Liability Act D The U.S. Longshore and Harbor Workers' Compensation Act

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

In which type of state does an employer have the choice to provide Workers' Compensation benefits at its own option, but is not required to do so? A Elective B Compulsory C Monopolistic D Competitive

elective

The part of the Workers' Compensation Policy that defines how coverage applies in other states is: A Part Six B Part Three C Part Four D Part Five

part three

Which of the following workers would be covered by the Jones Act? A A shipbuilder B A railroad worker C An employee of the federal government D A sailor

A sailor

Under Employers Liability coverage, the Doctrine of Dual Capacity applies to which of the following? A An employee brings action against the employer for a workplace injury, but the employer does not have Workers' Compensation insurance or self-insurance in place B An employee brings action against the employer after the employer's failure to abide by health and safety laws results in a workplace injury C After an employee is injured while working, the employee's spouse brings action against the insured for consequential injuries D After an employee is injured during the course of employment, the employee brings action against the insured in a capacity other than as an employer

After an employee is injured during the course of employment, the employee brings action against the insured in a capacity other than as an employer

Which of the following injuries would not be covered under Workers' Compensation insurance? A An employee contracts a cold in the winter B An employee is injured by machinery in the workplace C An employee is injured on the job by a product of the employer D An employee becomes ill because of exposure to chemicals used in the employee's workplace

An employee contracts a cold in the winter

All the following injuries are covered under a Workers' Compensation policy, except: A An employee who is injured despite the extensive safety measures of the employer B An employee who is injured at work solely through their own negligence C An employee whose injury results from intoxication D An employee injured because of unsafe working conditions

An employee whose injury results from intoxication

Part Two - Employers Liability Insurance of a Workers' Compensation and Employers Liability policy will cover which of the following damages? A Fines or penalties imposed for violations of state law B Punitive or exemplary damages C Damages owed for unfair discrimination against the employee in the employer's employment practices D Damages owed to an injured worker's dependents for loss of services

Damages owed to an injured worker's dependents for loss of services

According to Workers' Compensation laws, exclusive remedy means that: A The employer may decide which types of employees are eligible for benefits provided by a Workers' Compensation policy B Only full-time employees are eligible for Workers' Compensation benefits C Once an employee has been compensated for an injury by Workers' Compensation, the policy will not pay for any subsequent injuries D Employees covered by Workers' Compensation insurance cannot sue for work-related injuries

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

Prior to the enactment of Workers' Compensation laws, employers regularly used all of the following defenses against negligence suits brought by injured employees, except: A Contributory Negligence B Fellow Servant Rule C Assumption of Risk D Employers Liability

Employers Liability

The purpose of Part Two - Employers Liability Insurance of a Workers' Compensation policy is to: A Handle suits brought against the employer by members of the general public B Handle suits brought against the employer by an employee injured outside the scope and course of their employment C Handle suits alleging employment discrimination by the employer D Handle suits against the employer for damages arising from an injury to an employee when those damages are not covered by Workers' Compensation

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

A worker suffers a spinal injury that leaves the worker unable to work, with no possibility of improvement. This type of disability is called: A Permanent total B Temporary partial C Permanent partial D Temporary total

Permanent total

The final premium for a Workers' Compensation and Employers Liability policy is determined by: A Premium audit B Estimated payroll C The initial premium D The timeliness of premium payments

Premium audit

Which coverage is not included in a Workers' Compensation insurance policy? A Employers liability B Medical benefits C Disability income benefits D Second injury fund

Second injury fund

Part Six - Conditions of a Workers' Compensation and Employers Liability policy includes which of the following? A The supplementary coverages B The cancellation provision C Name, address, and type of business of the insured D The list of states where coverage applies

The cancellation provision

Under which circumstance could an employee sue their employer for a work-related injury? A The employer's negligence was responsible for the injury B The employer fails to provide Workers' Compensation insurance C A fellow employee is responsible for the injury D The injured employee is permanently disabled

The employer fails to provide Workers' Compensation insurance

An injury would not be covered by Workers' Compensation under which of the following circumstances? A The risk causing the injury is employment-related B A worker is injured during assigned hours C The injury occurs on the way to work D The injury occurs while a worker is performing work duties

The injury occurs on the way to work

What is the primary objective of Workers' Compensation? A To provide a payment of benefits to employees for injuries that arise out of their employment, regardless of negligence B To improve employer and employee relations C To improve the employee's working conditions D To provide accident coverage for employees both on and off the job

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

Under most states' Workers' Compensation laws, medical benefits are: A Limited to $100,000, for all employees per year B Limited to $100,000, per employee per year C Unlimited D Limited to $500,000, aggregate for all accidents

Unlimited

An employee injured in an auto accident while on company business would be covered under the employer's: A Group health insurance policy B Workers' Compensation policy C Garagekeepers Form D Garage Liability Form

Workers' Compensation policy