Worker's Compensation laws

Which of the following statements is true regarding computation the premium for Worker's Compensation insurance?

A premium auditor has the right to examine the insured's compensation records at the end of the policy. To determine the actual premium basis

At any time

According to the conditions probably workers compensation policy, the insurer has the right to inspect the workplace?

The insured expects to extend operations to that state

According to the standard Worker's Compensation and employer liability policy form, the state should be listed important three - other states insurance of the Worker's Compensation and employers liability policy when

Aggregate excess coverage

And employer that qualifies for a self-insured workers compensation plan may wish to further limit his liability against catastrophic losses by purchasing Excess insurance coverage called

A partial premium refund

Any participation plan the insured may be eligible for which of the following?

Jones act

Crews of ships are covered by the

It's common law defenses against liability suit

If an employee are in a state with elective Worker's Compensation laws chooses not to be too subject to those laws, what does employer lose?

It's common law defenses against liability suit

If an employer in a state with elective Worker's Compensation laws chooses not to be too subject to those girls, what does the employer lose?

Experience rating plan

If the premium charged for a particular insured is increased or decreased for a future. Based on that insurance laws experience for me. In the recent past, the policy uses a/an

Situs and status test

In order to be covered by the US longshore and Harbor workers compensation act, a worker must meet the requirements of the

Consequential bodily injury

Joe was severely injured on the job at the nuclear power plant. He had to be taken to the nearest hospital in an ambulance. When the hospital contacted Joe's wife and informed her of her husband's injuries, she suffered a nervous break down. Which, if any, of the following types of lawsuit could you bring against joes employer?

Loss of consortium

Sam lost his right arm and injured his left hand in an accident caused by malfunctioned equipment and a factory where he worked. From then on he was unable to assist his spouse in a various household chores, and cannot provide the maintenance to the house and the yard That his family needed. What kind of suit can Sam's wife and children bring against his employer?

Do not allow private insurers to be licensed to write Worker's Compensation coverage

States with monopolistic state workers compensation fund

Permanent total disability and permanent partial disability

The Worker's Compensation permanent disability benefit pays benefits for

Farmworkers

The voluntary compensation endorsement provides statuary coverage for which types of employees?

Open rating plan

Under the Worker's Compensation reform act, the commissioners recommended, and non-mandatory premium rates and then allows individual companies to add administrative overhead and expense cost which is resulting in a final route plan. This type of rating method is known ass

The employer, regardless of whether it was for the injury or disease

Under the Worker's Compensation system, who is responsible for the expenses resulting from work related injuries and occupational diseases?

And employee of medical facility who suffers from a common cold

What compensation statute provide coverage for diseases that occur as a result of working in them for years working environment. Which of the following is an example of a disease that would not be covered by such provisions?

2/3 of the workers weekly wage or a state specified maximum payment

What is the dollar limitation for Worker's Compensation benefits in the state of California?

The payment benefits to employees for injuries arising out of their employment

What is the primary objective of workers compensation?

Experience modification factor

What method of premium computation relates and employers losses, payroll, and premiums to the rating bureau's classification of operations

Federal employees compensation act

Which federal act provides benefits to injured civilians who are employed by the federal government?

Rehabilitation related travel and living expenses

Which of the following would be covered under the Worker's Compensation rehabilitation benefits?

Injured workers cannot sue and employer for negligence

Which statement is true regarding Worker's Compensation law in California?

Sole representative

Which workers compensation conditions states that the first named insured will act on behalf of all insured under the policy?

And employee of a medical facility who suffers from a common cold

Worker's Compensation statues provide coverage for diseases not occur as a result of working in the employers working environment. Which of the following is an example of a disease that would not be covered by such provisions?

Second injury fund programs

Worker's Compensation statues require employers to meet capital reserves requirements sufficient to pay any claims that might arise. Employers can meet such obligations through all of the following except

Paid without consideration of fault or negligence on the part of either employee or employer

Worker's Compensation will pay under which of the following situations?

Occupational disease caused or aggravated by condition of employment

A plant worker for chemical manufacturer was recently diagnosed with a rare blood. She told her doctor that her job required her to handle industrial waste chemicals. Which of the following types of injuries is covered under the Worker's Compensation policy?

The insured expects to extend operations to that state

According to the standard workers Compensation and employer liability policy form, estate should be listed and part three - other state insurance of the Worker's Compensation and employers liability policy when

Employee insurance

All of the following choices are legal methods for employers to finance their liability for Worker's Compensation benefits in California except

Companies with fewer than five employees are not required to have Worker's Compensation

All of the following statements are true regarding Worker's Compensation insurance in California except

Benefits will be provided if the state was listed on the policy information page

An employee is injured while visiting the employers out of state site. How will the Worker's Compensation benefits be determined?

Benefits will be provided if the state was listed on the policy information page

And employee is injured while visiting the employees and of state site. How are the workers compensation benefit be determined?

And intentional act that is caused by the insured

Employers liability insurance, part two of a standard workers compensation and employers liability also known as WC & EL policy form excludes

An intentional act that is caused by the insured

Employers the viability insurance, part two of a standard Worker's Compensation and employers liability policy excludes

To Sue and employer for the loss and prove that the employee or was it called

Prior to state directed Worker's Compensation statues being an acted, employees had

To Sue and employer for the loss and prove that the employer was at fault

Prior to state directed workers compensation statues being an active, employees had

The employer, regardless of whether he was at fault for the injury or disease

Under the Worker's Compensation system, who is responsible for the expenses resulting from work related injuries and occupational diseases?

Common law claims by third parties

What does the employers liability coverage part of a Worker's Compensation insurance policy protect the employer against?

Common law claims by third parties

What does the employers liability coverage part of a Worker's Compensation insurance policy protects the employer against?

Common law claims by third parties

What does the employers liability coverage part of the Worker's Compensation insurance policy protect the employer against?

The employer is reasonable for paying the entire premium

Which of the following is a true statement regarding who is responsible for paying the premium for Worker's Compensation coverage?

The insurer may inspect the work place after giving the insured five days notice

Which of the following is incorrect in regard to the conditions found in a Worker's Compensation policy?

Make voluntary payments for treatment of the workers injury

Which of the following is not a duty of the employer/insured an injury occurs at the workplace?

Make voluntary payments for treatment of the workers injury

Which of the following is not a duty of the employer/insured if any injury occurs at the workplace?

The extent to which the employees in a particular establishment have or have not persons dependent on them for support

Which of the following is not a factor in determining rates charged by the California State compensation insurance fund for insurance issued by it?

A state entity that exists solely to transact workers compensation insurance on a nonprofit basis

Which of the following selections correctly describes the California State compensation insurance fund?

Injured workers are entitled to receive all medical care reasonably required to cure or relieve the effects of the injury, with no deductible or coinsurance

Which of the following selections is true regarding the Worker's Compensation medical care benefit?

Injured workers are entitled to receive medical care reasonably required to cure or believe the effects of the injury, with no deductible or coinsurance

Which of the following selections is true regarding the Worker's Compensation medical care benefit?

On his evening stroll, and employee of an advertising company is injured while watching a competitors billboard sign being moved from an advertising site

Worker's Compensation benefits are provided for an employee injury or death that arises out of the course employment in all of the following situations except

On his evening stroll, and employee of an advertising company is injured by watching your competitors billboard sign being removed from an advertising site

Worker's Compensation benefits are provided for an employee injury or death that arises out of the course of normal employment and all the following situations except

Compensatory benefits

Worker's Compensation laws provide all of the following types and benefits except

Second injury fund programs

Worker's Compensation statute requires employers to meet capital reserves requirements sufficient to pay any claims that might arise. Employers can meet such obligations through all of the following except?

$100 of payroll

Workers compensation rating is developed by applying a rating bureau job classification rate to each

Paid without consideration of fault or negligence on the part of either employee or employer

Workers compensation will pay under which of the following situations?