©GRACEAMELIA 2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED
FIRST PUBLISH OCTOBER 2024
Vermont Adjuster's Examination for Workers
Compensation Insurance Series 14-34 Practice
Questions and Answers
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
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.
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, ©GRACEAMELIA 2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED
FIRST PUBLISH OCTOBER 2024
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?
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, ©GRACEAMELIA 2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED
FIRST PUBLISH OCTOBER 2024
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 -
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?
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, ©GRACEAMELIA 2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED
FIRST PUBLISH OCTOBER 2024
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
The adjuster is a fiduciary agent. As a fiduciary agent of the principal (the insurer), the adjuster should: -
Ans:✔✔-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? - Ans:✔✔-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
Page 4/34
FIRST PUBLISH OCTOBER 2024
Vermont Adjuster's Examination for Workers
Compensation Insurance Series 14-34 Practice
Questions and Answers
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
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.
Page 1/34
, ©GRACEAMELIA 2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED
FIRST PUBLISH OCTOBER 2024
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?
Page 2/34
, ©GRACEAMELIA 2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED
FIRST PUBLISH OCTOBER 2024
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 -
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?
Page 3/34
, ©GRACEAMELIA 2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED
FIRST PUBLISH OCTOBER 2024
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
The adjuster is a fiduciary agent. As a fiduciary agent of the principal (the insurer), the adjuster should: -
Ans:✔✔-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? - Ans:✔✔-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
Page 4/34
