Rhode Island Workers Compensation Adjusters Exam | Questions with 100% Correct Answers

Rhode Island Workers Compensation Adjusters Exam | Questions with 100% Correct Answers Earnings Capacity can also be established by what? - ANSWER -Court based evidence of ability to earn including determination of functional impairment/disability "Employee" - ANSWER -any person who has entered into the employment of or works under contract of service or apprenticeship with any employer Employer - ANSWER -Any person, copartnership, corporation or voluntary association and the legal representative of a deceased employer General Employer - ANSWER -temporary help companies and employee leasing companies Special Employer - ANSWER -a person who contracts for services with a general employer for the use of an employee, a vehicle or both "Independent Contractor" - ANSWER -means a person who has filed a notice of designation as independent contractor with the director pursuant to § 28-29-17.1 Maximum Medical Improvement (MMI) - ANSWER -a point in time when any medically determinable physical or mental impairment as a result of an injury has become stable and when no further treatment is reasonably expected to improve the condition Physician - ANSWER -medical doctor, surgeon, dentist, licensed psychologist, chiro, osteopath, podiatrist or optometrist Suitable Alternative Employement - ANSWER -means employment or an actual offer of employment which the employee is physically able to perform and will not exacerbate the employee's health condition and which bears a reasonable relationship to the employee's qualifications, background, education, and training Atty fees must not exceed - ANSWER -15% of lump sum Can insurer choose med provider? - ANSWER -no IW can choose own providers Can report of earnings be used to delay payment - ANSWER -No, they are sent periodically to IW. Helps prevent fraud Can settlements be modified? - ANSWER -Yes, at any time by subsequent decree or agreement or within 10 days after comp has ceased Division of Worker's Compensation - ANSWER -Monitors the WC system, ensuring that appropriate documents are filed to protect insured workers and employers. It is a division of Department of labor and training Does RI law apply if the IW is injured in another state? - ANSWER Yes, if the IW regularly works in RI Fatality must be reported w/in - ANSWER -48 hours First report of injury must be filed w/in 10 days of knowledge for what two reasons? - ANSWER -If the injury incapacitates the employee from work earning full wages for at least three days ; if medical treatment was required regardless of period of incapacity How are repetitive motion claims handled - ANSWER -Compensable if proof of injury was proximately caused by the course and scope of employement How are settlement payments issued unless agreed otherwise? - ANSWER -In a lump sum How is earning capacity calculated from the percentage of impariment? - ANSWER -0-5%=100% 6-25%=100%-imp% 26-50%=100%-imp%(1.25) 51-100%=100%-imp%(1.50) How long can you file an appeal of decree made in appellate court? Supreme Court? - ANSWER -5 days appelate and 20 days supreme How long does the insurer have to either commence benefits (first pay) or advise the employee and the director that the benefits are controverted (Denial) - ANSWER -21 days