study guide 8

30 terms by alissiamonae 

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The term dermatitis means

inflammation of the skin

A highly metastatic, pigmented neoplasm of the skin

melanoma

Method that can be use to destroy a hair follicle

electrolysis

The term axillary means

pertaining to the armpit

Benign, fatty tumor

LIPOMA

• Wound produced by a sharp instrument

INCISION

Minors are not covered by workers' compensation (T/F)

False

It is believed that the longer the injured person remains out of work, the better the chance of recovery and return to the workplace (T/F)

false

Authorization to treat a patient with an industrial injury may be obtained over the telephone (t/f)

true

The statutes for workers' compensation laws fall under

federal and state compensation laws

The reason for workers' compensation laws is

to ensure a prompt return and provide income to injured or ill worker, and encourage maximum employer interest in safety (all of the above)

An abnormal condition caused by exposure to environmental factors associated with employment is termed an

occupational illness

In many states, workers' compensation laws have exemptions for certain occupations, such as

domestic employees, babysitters, and gardeners

Workers' compensation benefits include

medical care, disability income, death benefits (all of the above)

An individualized program of therapy using stimulated or real work tasks to build strength and improve the worker's endurance toward a full day's work is known as

work hardening

OSHA stands for

Occupational Safety and Health Administration

A physician hired by the insurance 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 referred to as an

IME

Which type of employees fall under federal worker's compensation statues?

-miners -maritime workers -federal employees

Name the three types of state workers' compensation disability claims

-nondisability -temporary -permanent

Name the five types of workers' compensation benefits

-medical -temporary -permanent -death -rehabilitation

Disability income insurance provides benefits for work-related disability

false

The definition of total disability varies from policy to policy because there is no standard definition

true

For people trying to qualify for SSDI or SSI, determination is made by the physician

false

Disability income insurance is available from

private insurance companies, employer-sponsored plans, and government-funded (all of the above)

A policy that offers an insured person protection when loss of sight of limb(s) occurs is called

dismemberment benefit

Provisions written into the insurance contract denying coverage or limiting the scope of coverage are called

exclusions

For a disability income insurance case, the time period from the beginning of disability to receiving the first payment of benefits is called a

waiting period

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

double indemnity

If a claimant does not agree with the determination of disability, a _______ level appeal process is available

FOUR

Who are the eight types of workers not covered by state disability

-school district -community college -churches -state
-federal -interstate -nonprofit -domestic

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