VERMONT ADJUSTER'S EXAMINATION FOR WORKERS'
COMPENSATION INSURANCE (2026 SERIES): PRACTICE
QUESTIONS & ANSWERS
/. An employee in Vermont has contracted a disease as a result of employment. A claim
must be brought for workers compensation benefits within: - Answer-✅Two years of the
discovery of the disease
/.In Vermont, the employer/insurer has how many days from receiving notice of a claim
to determine whether
any compensation is due an injured employee? - Answer-✅21 Days
/.Which of the following workers are covered by the FELA Act of 1908? - Answer-
✅Railroad employees
/.To be covered under a standard workers compensation policy, the last exposure to the
conditions causing bodily injury by disease must occur: - Answer-✅Within the policy
period
/.A workers compensation claim may be denied for all of the following except? - Answer-
✅Injured while being trained for a hazardous job
/.Under Vermont's workers compensation laws, which of the following injuries would not
qualify for permanent total disability benefits? - Answer-✅A severely broken arm that
can heal.
/.Dependent children of a worker killed on the job will receive income benefits: - Answer-
✅Until age 18 or longer if still in an accredited school
/.The premium charged for a standard workers compensation policy is based primarily
on a company's: - Answer-✅Payroll
/.An employee suffered a severe injury while operating a piece of machinery known to
be in need of repair. Unfamiliar with the workers compensation law, the spouse sued
the employer, claiming loss of consortium. What coverage if any in a standard workers
compensation policy would respond to this lawsuit? - Answer-✅Employers liability
coverage
/.A person who willfully makes a false statement or representation for the purpose of
obtaining any workers compensation benefit or payment either for her or himself or
another shall be assessed a penalty of: - Answer-✅$1,000
,/.All states' workers compensation laws provide which benefits in the case of worker
injury? - Answer-✅Medical expenses without limits
Disability/loss of wages
/.An insurance carrier who does not intend to renew a policy of workers compensation
insurance covering the liability of an employer in Vermont must notify the commissioner
and the employer at least how long prior to the expiration of such policy? - Answer-✅45
days
/.Which of the following statements about workers compensation laws is correct?
A: The scope of coverage is identical in all states
B: Every state provides "extraterritorial" coverage for residents working in another state
C: Limited benefits are provided for non-economic damages such as pain and suffering
D: The benefits provided under the law are typically the exclusive remedy for injured
employees - Answer-✅D: The benefits provided under the law are typically the exclusive
remedy for injured employees
/.An employer who fails to provide workers compensation insurance shall be assessed a
penalty of how much per day for every day that the employer neglected to insure
workers compensation liability prior to receiving notice from the commissioner, but not
to exceed how much? - Answer-✅$50 / $5,000
/.When do benefits under Vermont's workers compensation law begin for a temporary
partial disability? - Answer-✅Benefits begin after the third day
/.If a worker, covered under workers compensation coverage in Vermont, sustains a
work related fatality, what will the death and survivor benefit be for the employee's
surviving spouse and two or more children? - Answer-✅76 2/3% of the employee's
average weekly income
**Spouse and 1 dependent is 71 2/3%
Spouse and 0 dependent is 66 2/3%
/.Which of the following is NOT used to determine wages?
A: The total household income
B: Bonuses
C: Paid vacation
D: Average of last 12 weeks of wages - Answer-✅A: The total household income
/.In most states, workers compensation coverage is available through - Answer-
✅Private insurers or self-insurance
/.The adjuster is a fiduciary agent. As a fiduciary agent of the principal (the insurer), the
adjuster should: - Answer-✅Act with a high degree of fidelity and loyalty to the interests
of the principal
, /.Which of the following is the most correct concerning premiums in a standard workers
compensation policy? - Answer-✅The insurer has three years after policy expiration to
audit the insured's payroll records in order to determine the final premium.
/.Which of the following do not have to be covered for workers compensation in
Vermont?
A: A bank employee
B: An auto mechanic
C: A ranch employee whose payroll is less than $10K per year
D: An insurance adjuster for an insurance company - Answer-✅C: A ranch employee
whose payroll is less than $10K per year
/.Each adjuster, workers compensation adjuster, public adjuster or appraiser must keep
at the address shown on the license a record of all transactions under the license for a
period of: - Answer-✅at least 3 years
/.An applicant must submit an application to the commissioner within how long of
licensing examination? - Answer-✅24 months
/.Who does the Jones Act pertain to? - Answer-✅Seaman
/.Which of the following policies would cover a contractor's own employees for injuries
sustained on the job?
A: Owners and Contractors Protective
B: Contractual Liability
C: Workers Compensation
D: Commercial General Liability - Answer-✅Workers Compensation
/.All of the following must be covered for workers compensation coverage in Vermont
except?
A: Maritime workers
B: Stockbrokers
C: Public employees
D: Road contractor's employees - Answer-✅A: Maritime workers
/.Which of the following is not a common-law defense for an employer in a workplace
injury lawsuit?
A: Contributory Negligence
B: Fellow-Servant
C: Proximate Cause
D: Assumption of Risk - Answer-✅C: Proximate Cause
/.Which of the following is the least desired in regards to vocational rehabilitation?
A: Self-employment
B: Job modification
C: Retraining
COMPENSATION INSURANCE (2026 SERIES): PRACTICE
QUESTIONS & ANSWERS
/. An employee in Vermont has contracted a disease as a result of employment. A claim
must be brought for workers compensation benefits within: - Answer-✅Two years of the
discovery of the disease
/.In Vermont, the employer/insurer has how many days from receiving notice of a claim
to determine whether
any compensation is due an injured employee? - Answer-✅21 Days
/.Which of the following workers are covered by the FELA Act of 1908? - Answer-
✅Railroad employees
/.To be covered under a standard workers compensation policy, the last exposure to the
conditions causing bodily injury by disease must occur: - Answer-✅Within the policy
period
/.A workers compensation claim may be denied for all of the following except? - Answer-
✅Injured while being trained for a hazardous job
/.Under Vermont's workers compensation laws, which of the following injuries would not
qualify for permanent total disability benefits? - Answer-✅A severely broken arm that
can heal.
/.Dependent children of a worker killed on the job will receive income benefits: - Answer-
✅Until age 18 or longer if still in an accredited school
/.The premium charged for a standard workers compensation policy is based primarily
on a company's: - Answer-✅Payroll
/.An employee suffered a severe injury while operating a piece of machinery known to
be in need of repair. Unfamiliar with the workers compensation law, the spouse sued
the employer, claiming loss of consortium. What coverage if any in a standard workers
compensation policy would respond to this lawsuit? - Answer-✅Employers liability
coverage
/.A person who willfully makes a false statement or representation for the purpose of
obtaining any workers compensation benefit or payment either for her or himself or
another shall be assessed a penalty of: - Answer-✅$1,000
,/.All states' workers compensation laws provide which benefits in the case of worker
injury? - Answer-✅Medical expenses without limits
Disability/loss of wages
/.An insurance carrier who does not intend to renew a policy of workers compensation
insurance covering the liability of an employer in Vermont must notify the commissioner
and the employer at least how long prior to the expiration of such policy? - Answer-✅45
days
/.Which of the following statements about workers compensation laws is correct?
A: The scope of coverage is identical in all states
B: Every state provides "extraterritorial" coverage for residents working in another state
C: Limited benefits are provided for non-economic damages such as pain and suffering
D: The benefits provided under the law are typically the exclusive remedy for injured
employees - Answer-✅D: The benefits provided under the law are typically the exclusive
remedy for injured employees
/.An employer who fails to provide workers compensation insurance shall be assessed a
penalty of how much per day for every day that the employer neglected to insure
workers compensation liability prior to receiving notice from the commissioner, but not
to exceed how much? - Answer-✅$50 / $5,000
/.When do benefits under Vermont's workers compensation law begin for a temporary
partial disability? - Answer-✅Benefits begin after the third day
/.If a worker, covered under workers compensation coverage in Vermont, sustains a
work related fatality, what will the death and survivor benefit be for the employee's
surviving spouse and two or more children? - Answer-✅76 2/3% of the employee's
average weekly income
**Spouse and 1 dependent is 71 2/3%
Spouse and 0 dependent is 66 2/3%
/.Which of the following is NOT used to determine wages?
A: The total household income
B: Bonuses
C: Paid vacation
D: Average of last 12 weeks of wages - Answer-✅A: The total household income
/.In most states, workers compensation coverage is available through - Answer-
✅Private insurers or self-insurance
/.The adjuster is a fiduciary agent. As a fiduciary agent of the principal (the insurer), the
adjuster should: - Answer-✅Act with a high degree of fidelity and loyalty to the interests
of the principal
, /.Which of the following is the most correct concerning premiums in a standard workers
compensation policy? - Answer-✅The insurer has three years after policy expiration to
audit the insured's payroll records in order to determine the final premium.
/.Which of the following do not have to be covered for workers compensation in
Vermont?
A: A bank employee
B: An auto mechanic
C: A ranch employee whose payroll is less than $10K per year
D: An insurance adjuster for an insurance company - Answer-✅C: A ranch employee
whose payroll is less than $10K per year
/.Each adjuster, workers compensation adjuster, public adjuster or appraiser must keep
at the address shown on the license a record of all transactions under the license for a
period of: - Answer-✅at least 3 years
/.An applicant must submit an application to the commissioner within how long of
licensing examination? - Answer-✅24 months
/.Who does the Jones Act pertain to? - Answer-✅Seaman
/.Which of the following policies would cover a contractor's own employees for injuries
sustained on the job?
A: Owners and Contractors Protective
B: Contractual Liability
C: Workers Compensation
D: Commercial General Liability - Answer-✅Workers Compensation
/.All of the following must be covered for workers compensation coverage in Vermont
except?
A: Maritime workers
B: Stockbrokers
C: Public employees
D: Road contractor's employees - Answer-✅A: Maritime workers
/.Which of the following is not a common-law defense for an employer in a workplace
injury lawsuit?
A: Contributory Negligence
B: Fellow-Servant
C: Proximate Cause
D: Assumption of Risk - Answer-✅C: Proximate Cause
/.Which of the following is the least desired in regards to vocational rehabilitation?
A: Self-employment
B: Job modification
C: Retraining
