to ensure a promt return to work of any injured or ill imployess and to provide income to the injured or ill worker, and to encourage maximum employer interest in safety
The reason for workers' compensation laws is:
An abnoraml condition caused by exposure to environmental faactors associated with employment is termed:
domestic employees, babysitters, and gardeners
In mant states, workers' compensation laws have exemptions for certain occpations, such as:
An individualized program of therapy using simulated or real work task to build strength and improve the workers endurance toward a full day's work is known as:
separate financial and health records must be used
Which is the correct procedure for keeping an industrial patient's financial and health records when the same physicians is also seeing the patient as a private patient:
physician and insurance company
In a workers compensation case, the contract and financial responsibility exists between the:
private insurance companies, employer-sponsored plans, government-funded programs
Disability income insurance is available from:
A policy that offers an insured person protection when loss of sight or loss of limbs occurs is called:
Provision written into the insurance contract denying coverage or limiting the scope of coverage are called:
A physician hired by the insurace company or appointed by the referee or appeals board to examine an injured worker and render an unbiased opinion regarding the degree of disability is refered to as a/an___________.
For a disability income insurace case, the time period from the beginiging of disability to receiving the first payment of benefits is called a/an_____.
In a life insurance policy, a feature that provides for twice the face amount of the policy to be paid if death results from accidental causes is called:
In an insurance contract, a/an _________ of premiums means that while disabled the employee does not have to pay any premiums because they are paid by the policy.
If a clamant does not agree with the determination of disability, a _______ level appeal process is available.
minors, maritime workers, federal employees
Name the three types of state workers compensation disability claims.