| Term | Definition |
|---|
| What is the primary objective of workers compensation? A. The payment of benefits to employees for injuries arising out of their employment: C. To provide accident insurance for employees both on and off the job; C. To improve employee's working conditions; D. None of the above | A. The primary purpose is the payment of benefits to employees for their job-related injuries or illnesses. |
| All of the following are true of the workers compensation law EXCEPT: I. The cost is paid by the employee; II. Payment is made without regard to negligence; III. Pay employees medical expenses, loss of time benefits, death benefits and scheduled injury payments. A. I only; B. II only; C. II & III; D. I, II & III | A. It is the employer that pays the cost of workers compensation coverge. |
| Workers compensation insurance provides coverage for all of the following EXCEPT: A. Medical benefits; B. Income Benefits; C. Funeral Benefits; D. Property Benefits | D. The workers compensation coverage does not apply to property losses. it only applies to job-related injuries or illnesses. |
| Workers compensation scheduled injury benefits are provided for: A. Permanent partial disability; B. Temporary total disability; C. Permanent total disability; D. All of the above | D. All of the responses are correct. These will vary by the various state statutes as respects the benefits schedules. |
| Employers liability coverge in workers compensation insurance provides coverage for: A. Statutory claims brought against employer by the employee; B. Common law claims against employer by the employee; C. Claims in excess of basic policy limits; D. Claims for damage to property of others resulting from employment. | B. Coverage A applies to job related injuries and illnesses. Coverage B, employer's liability coverge applies to injuries sustained by the employee as a result of the negligence of the employer. |
| A severely sprained back rendering an employee unable to work for 6 wks is an example of a _________ disability. A. permanent total; B. temporary total; C. permanent partial; D. temporary partial | B. This is an example of a temporary total disablement. The employee should, in time, be able to return to work. |
| The most severe type of injury under workers compensation would be: A. permanent total; B. temporary total; C. permanent partial; D. temporary partial | A. A permanent total disability usually prevents the employee from ever returning to his job. Some states provide for rehabilitation to enable the employee to perform some other types of employment. |
| Which of the following statements about workers compensation is correct? A. Workers compensation benefits are identical in all states; B. Workers compensation is an exclusive remedy; C. Every state provides extraterritorial coverage; D. Workers compensation pays for incurred pain and suffering | B. Worker's compensation is the exclusive remedy for an injured employee as a result of a job-related injury or illness. |
| What is the purpose of the Federal Employers Liability Act? A. To cover railroad employees; B. To cover crew members of a ship; C. To cover black lung benefits for miners; D. To cover workers who load and unload ships | A. This act covers injuries to railroad employees. |
| Which of the following individuals is likely to have a valid workers compensation claim? a. A retired employee injured while visiting his old workplace; B. An employee who suffers a diabetic coma on the job from failure to take prescribed medicine; C. An employee injured while performing an operation for which he had not yet been trained; D. A sole proprietor injured in an auto accident while driving to a friend's house. | C. All employee injuries are normally covered if they are job-related whether properly trained or not. |
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