Kaplan Unit 20 Questions

Which of the following injuries would qualify as a compensable injury under the workers' compensation laws?

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

Which one of the following methods is used if an employer sets up a fund to pay workers' compensation claims?

A self-insurance method

Which common law defense allowed the employer 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 an 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?

High risk occupations

Which of the following is NOT a benefit that is paid under workers' compensation laws?

Pain and suffering

Which part of the Workers' Compensation and Employers Liability Policy coverage explains how the cost of the policy is determined?

Part Five

Which part of the Workers' Compensation and Employers Liability Policy coverage 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?

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

Which of the following sections of a policy form contains definitions and conditions that apply to the policy as a whole?

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?

The Jones Act

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

a competitive state fund

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

a monopolistic state fund

All of the following are 3 separate limits that apply under Part Two of the workers' compensation policy EXCEPT

policy limit per year for all accidents

In most states, worker's compensation laws apply

to most workers except those specifically excluded by law