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?