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Vermont Adjuster's Examination for Workers
Compensation Insurance (2026/2027) VERIFIED EXAM
|| MOST RECENT EXAM ACTUAL COMPLETE REAL
EXAM QUESTIONS AND CORRECT ANSWERS
(VERIFIED ANSWERS) ALREADY GRADED A+
||NEWEST EXAM!!!
All states' workers compensation laws provide which
benefits in the case of worker injury?
I. Medical expenses, with certain limits
II. Medical expenses without limits
Ill. Disability/loss of wages
IV. Pain and suffering damages - Answer-II and Ill only
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
prior tothe expiration of such policy. - Answer-45 days
Which of the following statements about workers
compensation laws is correct? - Answer-The benefits
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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 per day for every
day that the employer neglected to insure workers
compensation liability prior to
receivingnoticefromthecommissioner,butnottoexceed -
Answer-$50 / $5,000
When do benefits under Vermont's workers compensation
law begin for a temporary partial disability? - Answer-8th
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%
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Which of the following is NOT used to determine wages? -
Answer-A: The total household income
(all used: bonuses, paid vacation, avg of last 26 wks of
wages)
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-ct
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.
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Which of the following do not have to be covered for
workers compensation in Vermont? - Answer-A ranch
employee whose payroll is less than $10K per year
(All covered: bank employee, auto mechanic, insurance
adjuster)
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 ___ of successfully passing the
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? -
Answer-Workers Compensation
Vermont Adjuster's Examination for Workers
Compensation Insurance (2026/2027) VERIFIED EXAM
|| MOST RECENT EXAM ACTUAL COMPLETE REAL
EXAM QUESTIONS AND CORRECT ANSWERS
(VERIFIED ANSWERS) ALREADY GRADED A+
||NEWEST EXAM!!!
All states' workers compensation laws provide which
benefits in the case of worker injury?
I. Medical expenses, with certain limits
II. Medical expenses without limits
Ill. Disability/loss of wages
IV. Pain and suffering damages - Answer-II and Ill only
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
prior tothe expiration of such policy. - Answer-45 days
Which of the following statements about workers
compensation laws is correct? - Answer-The benefits
,2|Page
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 per day for every
day that the employer neglected to insure workers
compensation liability prior to
receivingnoticefromthecommissioner,butnottoexceed -
Answer-$50 / $5,000
When do benefits under Vermont's workers compensation
law begin for a temporary partial disability? - Answer-8th
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%
,3|Page
Which of the following is NOT used to determine wages? -
Answer-A: The total household income
(all used: bonuses, paid vacation, avg of last 26 wks of
wages)
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-ct
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.
, 4|Page
Which of the following do not have to be covered for
workers compensation in Vermont? - Answer-A ranch
employee whose payroll is less than $10K per year
(All covered: bank employee, auto mechanic, insurance
adjuster)
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 ___ of successfully passing the
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? -
Answer-Workers Compensation
