Workers Compensation

Which of the following injuries would qualify as a compensable injury under Workers 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) An editor is seriously injured in a car accident while driving home from work. D) A secretary accidentally swallows his gum while in the company lunchroom and chokes when it gets lodged in his windpipe

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

Which part of the Workers Compensation And Employers Liability policy covers compensation and benefits required by the state Workers Compensation law? A) Part Two B) Part One C) Part Four D) Part Three

A) Part One

On a workers' compensation policy, the benefit that is paid if the worker cannot return to the same job or employer is called A) vocational rehabilitation benefits B) wage loss benefits C) survivor benefits D) death benefits

A) vocational rehabilitation benefits

Which of the following benefits are NOT paid under workers' compensation laws? A) Disability income B) Rehabilitation expenses C) Pain and suffering D) Medical expense

C) Pain and suffering

Who sets the limits and benefits for workers' compensation? A) The compensation rating bureau B) The Commissioner of Commerce C) The state legislature D) The governor

C) The state legislature

All of the following benefits are typically paid under Workers Compensation laws EXCEPT A) disability. B) medical. C) loss of consortium. D) rehabilitation.

C) loss of consortium.

In a competitive state, an employer may obtain Workers Compensation insurance from A) a state fund. B) a private insurance company. C) the federal workers compensation system. D) either a private insurance company or a state fund.

D) either a private insurance company or a state fund.

All of the following statements are true regarding workers' compensation policy EXCEPT A) rates may be classified according to similar risks B) workers' compensation is not covered under a liability policy C) large employers may self insure D) medical benefits are subject to a statutory maximum amount

D) medical benefits are subject to a statutory maximum amount

The federal law that allows members of ships' crews to sue the employers/shipowners at common law for injuries caused by the employers'/shipowners' negligence is known as A) the Workers' Compensation Act B) the Federal Employers Liability Act C) the Voluntary Compensation Act D) the Jones Act

D) the Jones Act

When calculating premiums for a workers' compensation policy, the insurer will multiply the job classification factor by A) the employer's experience modification factor B) a risk factor provided by the National Association of Insurance Commissioners C) the total payroll for the company D) the number of $100 payroll units paid to employees in each job classification

D) the number of $100 payroll units paid to employees in each job classification

In most states, Workers Compensation laws apply A) to government workers only. B) only to workers in occupations that are considered extremely hazardous. C) to full-time workers only. D) to most workers except those specifically excluded by law.

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

All of the following are covered under a workers' compensation policy EXCEPT A) medical benefits B) rehabilitation benefits C) survivor benefits D) unemployment benefits

D) unemployment benefits

All of the following benefits are provided by a workers' compensation policy EXCEPT A) survivor benefits B) wage loss benefits C) death benefits D) unemployment benefits

D) unemployment benefits