Ch 12. Workplace Health & Safety Requirements
permanent total disability
A worker may receive _______________ benefits if the injury permanently prevents work. Becoming a quadriplegic may be an example.
temporary total disability
A worker may receive __________________ benefits if the injury prevents the worker from working at all for a period of time. This benefit is often a percentage of the worker's average pay. A sprained ankle may be an example if the job requires some degree of running or strenuous walking.
permanent partial disability
A worker may receive ___________________ benefits if he is able to work some, but the injury has caused a work-related permanent disability. For example, losing a finger may create a permanent partial disability. State law sets a specific formula for calculating the benefit based on things such as the worker's wage and degree of disability.
temporary partial disability
A worker may receive ___________________ benefits if the worker misses work because of the injury. The worker will be entitled to payment of all, or part, of the lost wage. Missing some work for stitches may be an example.
Suing the manufacturer of the forklift.
An employee is injured in a forklift accident. An investigation discovers that the forklift was defective and the manufacturer had issued a recall notice but the employer had not complied with it yet. The employee receives workers' compensation benefits for the injury. What litigation options would give the employee the BEST chance of success?
Most long-term disability policies last greater than a year or until age 65.
Choose which statement is true about long-term disability policies?
Ed and Ben.
Ed works for Stellar Solar Installations, Ben works for the DEA (Drug Enforcement Agency), and Sam is a self-employed contractor for an online education company. Which of these employees is subject to the rights set forth by OSHA?
Toileting represents the ability to access the bathroom, while continence is the physical act of controlling bathroom bodily functions.
How are the terms toileting and continence related?
Unemployment compensation benefits can provide a stimulus to the economy of a country.
How are unemployment compensation benefits related to the economy of a country?
By state and federal payroll taxes paid by the employer
How is unemployment compensation funded?
Occupational Safety and Health Review Commission
If a company receives a citation and fine from OSHA, who would hear the appeal?
Because this is an example of a personal risk that has nothing to do with work.
Mark is an employee that has worked for 20 years in a retail company. He has to undergo a liver transplant due to years of substance and alcohol abuse. Why is he NOT eligible for worker's compensation during that time?
no-fault remedy
Means that benefits are not dependent on who was to blame for the accident. Even workers who were at fault for their accident can collect.
Remove unsafe equipment
OSHA can do all of the following EXCEPT:
The employer must pay for all of the attire.
Ron just got a job in an industrial plant that manufactures specialty car parts. Since this is a new field for Ron he must buy the necessary safety attire to work at the plant. Which of the following must the employer pay for as required by OSHA?
Temporary total disability benefits
Sara is injured at work, and is confined to a bed for a week while she fully recovers. What's the most likely indemnity benefit she will receive?
All unemployed individuals are eligible.
Select the statement that is NOT correct regarding unemployment compensation.
Short-term disability policy
Sharon's expecting her first child and meets with her employer's human resources department to discuss maternity leave. The representative explains that Sharon's eligible to utilize paid time off, after which the employer-sponsored disability policy will pay benefits. What type of disability policy is the representative referencing?
Has declined since 1970
The number of workplace injuries:
Because he suffered no loss of income as a result of the cut.
Tim cuts his hand at work, requiring bandaging at the first aid station, but he returns to work immediately. He is able to continue coming to work until he resigns because his supervisor was very strict and often yelled. The injury did not inflict any permanent damage. Why is Tim NOT entitled to indemnity benefits?
Todd needs to keep up-to-date records of employee illness and injury.
Todd is the Operations Manager for Quality Granite. He cares for the company and the employees and wants to comply with OSHA safety regulations. What must Todd do to be in compliance?
It will offer a lower monthly premium.
Tony is selecting a disability insurance policy. He has the option of having his benefits start 30 days, 60 days, or 120 days after the onset of a disability. Why would Tony choose 120 days?
Occupational Safety and Health Act of 1970
Under the ______________________ employers are responsible for providing a safe and healthy work environment. The Act requires employers to comply with specific occupational safety and health standards and to keep records of occupational injuries and illnesses.
The Social Security Act
What law is part of unemployment compensation?
It is the only agency that can regulate workplace health and safety.
Which of the following is FALSE about OSHA?
All of the answers are correct
Which of the following is an example of OSHA safety standards?
Social Security disability is only for long-term debilitating illnesses with progressive disabilities.
Which of the following options is TRUE about Social Security disability?
When a researcher gets hurt while performing an experiment at work because the equipment is out-of-date.
Which of the following would be an event that would make a worker qualified for workers' compensation benefits?
State governments
Who administers unemployment compensation?
All of the answers are correct
Workers' compensation benefits can include:
Benefits do not depend on who was to blame for the accident
Workers' compensation:
OSHA standards
_________________ are rules that describe the methods that employers must use to protect their employees from hazards.
Disability
__________________ is a mental or physical condition that restricts a person's activities.
Unemployment compensation
____________________ is a type of social insurance benefit paid by a state or federal government to eligible unemployed workers to help provide for the necessities of life.
Occupational Safety and Health Administration (OSHA)
_____________________ develops and enforces safety standards, and provides training, outreach, education, and assistance. They has the power to conduct on-site inspections, issue citations, and levy penalties against employers for violations.
Long-term disability
_______________________ lasts more than a year.
Short-term disability
_________________________ lasts more than six weeks, but less than a year.
Workers' compensation
____________________________ is a program that provides medical care, income continuation, and rehabilitation for workers who sustain injuries or illness on the job. Death benefits are also available for family members of workers who suffer work-related deaths.
