30 terms

study guide 8

The term dermatitis means
inflammation of the skin
A highly metastatic, pigmented neoplasm of the skin
Method that can be use to destroy a hair follicle
The term axillary means
pertaining to the armpit
Benign, fatty tumor
• Wound produced by a sharp instrument
Minors are not covered by workers' compensation (T/F)
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)
Authorization to treat a patient with an industrial injury may be obtained over the telephone (t/f)
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
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
The definition of total disability varies from policy to policy because there is no standard definition
For people trying to qualify for SSDI or SSI, determination is made by the physician
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
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
Who are the eight types of workers not covered by state disability
-school district -community college -churches -state
-federal -interstate -nonprofit -domestic