Workers Compensation Test

Question 1

All of the following benefits are typically paid under workers’ compensation laws EXCEPT

rehabilitation
loss of consortium
medical
disability

Answer 1

Workers’ compensation laws typically pay benefits in four categories:

disability/loss of income benefits,
medical benefits,
survivor/death benefits, and
rehabilitation benefits.

Question 2

Which part of the workers’ compensation and employers liability policy covers compensation and benefits required by the state workers’ compensation law?

Part 2
Part 3
Part 1
Part 4

Answer 2

Part 1

Part 1: Workers’ compensation promises to pay all compensation and other benefits required of the insured by the workers’ compensation law in the state or states where the insured’s business operates.

Question 3

In most states, workers’ compensation laws apply

to most workers except those specifically excluded by law
only to workers in occupations that are considered extremely hazardous
to full-time workers only
to government workers only

Answer 3

Every state has some exempt classifications, but the majority of the nation’s employees are covered under workers’ compensation laws.

Question 4

Which of the following injuries would qualify as a compensable injury under workers’ compensation laws?

An editor is seriously injured in a car accident while driving home from work.
A factory worker fractures her arm while working overtime on the assembly line.
A secretary accidentally swallows his gum while in the company lunchroom and chokes when it gets lodged in his windpipe.
A hotel maid falls down the stairs while cleaning her own home.

Answer 4

Work-related injuries must arise out of employment and arise in the course of employment to be compensable. Time, place, and circumstances are all considered in making this determination.

Question 5

In a competitive state, an employer may obtain workers’ compensation insurance from
a state fund
the federal workers compensation system
a private insurance company
either a private insurance company or a state fund

Answer 5

Competitive states give employers a choice between purchasing workers’ compensation insurance from a state fund or a private insurance company. The state fund competes with private insurance.

Question 6

To obtain benefits under workers’ compensation, the injured employee must prove that the employer was negligent for the injury.

False
True

Answer 6

Workers’ compensation laws eliminated the need to prove the employer’s negligence.

Question 7

Which of the following benefits are NOT paid under workers’ compensation laws?
	Medical
	Disability income
	Pain and suffering
	Rehabilitation

Answer 7

Workers’ compensation laws pay benefits in four categories: disability/loss of income benefits, medical benefits, survivor/death benefits, and rehabilitation benefits.

They do not pay benefits for pain and suffering.