workers comp

Question 1

provides wage replacement and medical benefits to employees injured during the course of employment (COE), arising out of employment (AOE) or within the scope of employment (WSE)

Answer 1

workers compensation

Question 2

the trade off between assured, limited coverage and the lack of recourse outside of the system is known as
STATE runs program

Answer 2

the compensation bargain

Question 3

what leads to most work related injuries

Answer 3

long hours of keyboarding
lifting boxes or weights repetitively without appropriate back/core strength, endurance or support
improper body mechanics during work activities
most work injuries are cumulative microtraumas

Question 4

the injury must meet a standard of the accident or exposure being the prevailing factor in causing the medical condition and/or disability (KS/MO)
Burden that an injured worker has to prove that the injury, which is a medical condition, was caused by the work accident

Answer 4

medical causation

Question 5

employers with ___ or more employees must insure their workforce

Answer 5

5

Question 6

benefits to compensate for the workers loss of income or earning capacity

Answer 6

indemnity benefits

Question 7

pay that supplements and injured worker returning to light or modified duty at a lower rate of pay then their normal wages

Answer 7

temporary partial disability (TPD)

Question 8

pay for an injured worker who is completely off work

Answer 8

temporary total disability TTD

Question 9

if an injured worker does not get back to some form of work within ___ of the injury there is 50% chance of them NEVER returning to ANY form of gainful employment

Answer 9

6 mo

Question 10

if an injured worker’s injury permanently effects their ability to perform SOME job tasks but they can still work they receive payment based on the nature and extent of the injury

Answer 10

Permanent Partial Disability

Question 11

if an injured worker’s injury permanently limits them from returning to ANY form of work they receive either weekly payments or a lump sum

Answer 11

Permanent total disability

Question 12

income benefits are not paid for the first

if an injured worker is unable to work for more than 14 days the wait period is paid

Answer 12

3 days or less of an injury

Question 13

when an employee dies the total dependents (defined as wife and children) receive weekly death benefits for the year immediately preceding the death and up to $5000 burial benefits
receives this for life or until they re marry at which point they get a lump sum equal to 2 years benefits

Answer 13

death benefits

Question 14

if the treating MD determines the injury was so severe to permanently interfere with occupational functioning
cannot exceed 26 weeks

Answer 14

vocational rehabilitation

Question 15

note writing DO NOTs for workers comp

Answer 15

WFL, WNL, tolerates treatment

patient is unable to…/patient cannot perform…