Workers Compensation

Question 1

The law requires every ____ to carry workers compensation insurance

Answer 1

employer

Question 2

at the time of ____ contractors shall show their valid workers compensation insurance certificate

Answer 2

successfully passing the examination

Question 3

every contractor must report the name of his insurer and policy number of the workers compensation insurance policy to the registrar of contractors within

Answer 3

90 days

Question 4

the cost of workers compensation insurance is paid by

Answer 4

the employer

Question 5

if an injury to a worker is caused by serious and willful misconduct of a contractor, any amount paid by the workers compensation insurance carrier is increased by ____ percent and the increase is paid by ____

Answer 5

50
the contractor

Question 6

if an injury occurs to an employee under 16 years of age, illegally employed, the compensation award is increased ____ percent and this increase must be paid by the contractor

Answer 6

50

Question 7

if an injury causes death, burial expenses up to _____ are paid

Answer 7

$2,000

Question 8

the contractor must file a complete report of every injury to every employee within ____ days

Answer 8

5

Question 9

if an injury results in the death of an employee, the employer must file a report by telephone or telegraph within ____ hours

Answer 9

24

Question 10

under the laws governing workers compensation insurance, the rights of the injured worker are protected by

Answer 10

the industrial accident commission

Question 11

the workers compensation insurance prevents an injured employee from initiating a court action against his employer, but it does not stop him from filing a suit against ____ who had something to do with his accident

Answer 11

a thrid party

Question 12

an injured employee may comprise and accept less than would be due him from the insurance carrier, but the compromise must be approved by

Answer 12

the industrial accident commision

Question 13

an injured employee may select his own doctor but

Answer 13

-will pay the costs himself
-the insurance carrier can agree to cover the costs

Question 14

the law does not require ____ to carry workers compensation insurance if they have no employees

Answer 14

-independant contractors
-sub contractors
-specialty contractors

Question 15

what liability does a general building contractor have for the employees of a subcontractor who fails to carry workers comp insurance

Answer 15

the general is responsible for his subcontractors workers compensation insurance

Question 16

a contractor may purchase workers comp insurance from

Answer 16

the state fund insurance or a private insurance company

Question 17

an employer would not be held responsible for accidents that result from

Answer 17

-an injury caused by the intoxication of the injured employee
-an injury that was casued by a dispute in which the injured employee started the conflict
-the injury was intentional or self inflicted

Question 18

a contractor that fails to carry a valid policy of workers compensation insurance connot

Answer 18

have employees

Question 19

if it is proven that an employee was intoxicated when he was injured, he would receive only ____ percent of the compensation that would normally be awarded based on his injury

Answer 19

0

Question 20

workers compensation insurance ____ anyone working outside of the state of california

Answer 20

fully covers

Question 21

the industrial accident commission has a schedule of payments that specifies

Answer 21

-the amount to be paid to a window of an employee that is fataly injured
-the amount to be paid to an employee depending on the injury
-the amount to be paid for burial expences, etc

Question 22

will an employee pay any premiums for workers compensation

Answer 22

No

Question 23

if the policy of a contractor has been canceled and he still has employees working for him, the contractor is

Answer 23

-guilty of a misdemeanor
-subject to a fine
-liable to legal action by an injured employee

Question 24

workers compensation insurance payments by the employer are based on

Answer 24

-the value of the jobs that his company does
-the type of work his employees do

Question 25

if one or more partners in a business draw a working salary from the business, not dependent upon the profit or losses of the business, then

Answer 25

he must be covered by workers comp

Question 26

if an employer fails to carry workers comp insurance on his employees for a period of 30 days

Answer 26

they will have their license suspended and it will be treated as a misdemeanor

Question 27

it is not neccessary for an employer to carry workers comp insurance if

Answer 27

he has no employees

Question 28

if a housewife hires someone to paint a room or fix a floor she

Answer 28

is not required to carry workers comp

Question 29

an injured person may take his case to the courts if

Answer 29

-he has a disagreement with the industrial accident commision as to degree of injury -he is not satisfied with the damages awarded to him -the injury was self inflicted or occured while he was intoxicated

Question 30

medical treatment for an injured employee is provided

Answer 30

-for as long as the injury and subsequent disability require it -without limitation as to time or money

Question 31

if an employer carries workers compensation insurance, an injured employee can only take him to court if

Answer 31

there existed serios or wilful misconduct by the employer

Question 32

a contractor may carry workers comp from which companies

Answer 32

-from the state -from a private company -self insurer

Question 33

the prime contractor has no workers compensation responsibility

Answer 33

-if the injured person is not his employees -if the injured person is an independant contractor

Question 34

whe a person is injured

Answer 34

he may accept a settlement that is less than he is entitiels

Question 35

if an industrial injury results in death, the contractor shall file

Answer 35

-a report within 24hrs by telephone -a report to the division of labor statistics and research -a report to the division of industrial safety

Question 36

if a contractor fails to pay the premium due on a woerks comp insurance policy

Answer 36

the policy will be canceled

Question 37

if a contractor is refused coverage for workers comp insurance by 4 or more companies

Answer 37

-his coverage is automatically picked up by the state -he can have employees working for up to 30 days until he a valid policy to cover them under workers comp laws -he can wait 30 days and then re apply

Question 38

if a contractor is refused coverage for workers compensation insurance by private insurance companies

Answer 38

-he may apply to teh state fund -must notify the registar within 10 days of the cancellation and within 10 days of the new policy being written -

Question 39

if a contractor carries workers compensation insurance, in case of injury to an employee

Answer 39

-the insurance company assumes the obligations of the contractor -the insurance company will not pay any increase in the normal award because of serious and willful misconduct of the contractor

Question 40

the full cost of workers compensation insurance is borne by the contractor and who else

Answer 40

no one else

Question 41

the amount that is paid for workers compensation insurance is based on

Answer 41

-hazards of each employees job category -the hours worked by each employee -the employers payroll

Question 42

a contractor who has specialty or subcontractors and others working for him on a unit or piece work basis

Answer 42

-should require a certificate of insurance from these subcontractors or others -can hire them as employees and then have them insured with workers compensation insurance -would be totally responsible for any injuries unless these subcontractors carried their own coverage for their employees

Question 43

if an injury occurs to any employee, the employer should be free from all claims against him if he follows the direction and payment of workers compensation by

Answer 43

the workers comp apeals board

Question 44

if an employer fails to cover his employees by making workers compensation insurance premium payments, the only redress an injured has is

Answer 44

to file a claim with the uninsured employers funs -to file a civil action in a court of law

Question 45

Ralph is running behind schedule on a swimming pool that he must complete by a bonded date. he hires his son as a part time employee to help him. he does not carry a workers comp policy. ralphs son trips and breaks his leg and three ribs. Who is liable

Answer 45

Ralph is liable

Question 46

space holder

Question 47

the reason for workers compensation is

Answer 47

to limit employer contractor liability

Question 48

the california state disability insurance program requires the employer to deduct the contributions from the employees wages, report and pay the contributions unless the employees

Answer 48

-agree to pay the contributions without deductions -are exempt due to other voluntary DI wage deduction programs -collectively and voluntarily contribute to teh program as a unit

Question 49

any new or changed insurer carrying workers comp on the contractors employees must report within ____ days after any policy insurance is issued

Answer 49

10

Question 50

any subcontractor who does not have a license works on a contract then their employees are considered a ____ employee

Answer 50

statutory

Question 51

record keeping includes creating and maintaining records of ____ which must be investigated

Answer 51

near-misses

Question 52

if an injury results in death because the employer would not follow the proper safety and health procedures, he can be

Answer 52

-fines $10,000 -imprisioned for 6 months

Question 53

the ____ policy is the coverage that goes beyond standard policies

Answer 53

umbrella

Question 54

____ insurance covers project stoppages

Answer 54

Builders Risk

Question 55

____ insurance covers the loss of a contractors key person

Answer 55

key person

Question 56

____ insurance covers property, but not the contractors tools

Answer 56

property