VERMONT ADJUSTER'S EXAMINATION
FOR WORKERS COMPENSATION
INSURANCE SERIES 14-34. EXAM
QUESTIONS AND ANSWERS 100% PASS
2026/2027
An employee in Vermont has contracted a disease as a result of employment. A claim must be
brought for workers compensation benefits within: - ANS 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? - ANS 21 Days
Which of the following workers are covered by the FELA Act of 1908? - ANS Railroad
employees
To be covered under a standard workers compensation policy, the last exposure to the
conditions causing bodily injury by disease must occur: - ANS Within the policy period
A workers compensation claim may be denied for all of the following except? - ANS Injured
while being trained for a hazardous job
@2026 ALLRIGHTS RESERVED 1
,Under Vermont's workers compensation laws, which of the following injuries would not qualify
for permanent total disability benefits? - ANS A severely broken arm that can heal.
Dependent children of a worker killed on the job will receive income benefits: - ANS 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: - ANS 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? - ANS 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: - ANS $1,000
All states' workers compensation laws provide which benefits in the case of worker injury? -
ANS 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? - ANS 45 days
Which of the following statements about workers compensation laws is correct?
A: The scope of coverage is identical in all states
@2026 ALLRIGHTS RESERVED 2
, 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
- ANS 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? - ANS $50 / $5,000
When do benefits under Vermont's workers compensation law begin for a temporary partial
disability? - ANS 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? - ANS 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 - ANS A: The total household income
In most states, workers compensation coverage is available through - ANS Private insurers or
self-insurance
@2026 ALLRIGHTS RESERVED 3
FOR WORKERS COMPENSATION
INSURANCE SERIES 14-34. EXAM
QUESTIONS AND ANSWERS 100% PASS
2026/2027
An employee in Vermont has contracted a disease as a result of employment. A claim must be
brought for workers compensation benefits within: - ANS 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? - ANS 21 Days
Which of the following workers are covered by the FELA Act of 1908? - ANS Railroad
employees
To be covered under a standard workers compensation policy, the last exposure to the
conditions causing bodily injury by disease must occur: - ANS Within the policy period
A workers compensation claim may be denied for all of the following except? - ANS Injured
while being trained for a hazardous job
@2026 ALLRIGHTS RESERVED 1
,Under Vermont's workers compensation laws, which of the following injuries would not qualify
for permanent total disability benefits? - ANS A severely broken arm that can heal.
Dependent children of a worker killed on the job will receive income benefits: - ANS 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: - ANS 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? - ANS 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: - ANS $1,000
All states' workers compensation laws provide which benefits in the case of worker injury? -
ANS 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? - ANS 45 days
Which of the following statements about workers compensation laws is correct?
A: The scope of coverage is identical in all states
@2026 ALLRIGHTS RESERVED 2
, 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
- ANS 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? - ANS $50 / $5,000
When do benefits under Vermont's workers compensation law begin for a temporary partial
disability? - ANS 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? - ANS 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 - ANS A: The total household income
In most states, workers compensation coverage is available through - ANS Private insurers or
self-insurance
@2026 ALLRIGHTS RESERVED 3
