Vermont Adjuster's Examination for
Workers Compensation Insurance Series
questions with correct verified answers
latest update
Every employer liable to pay workers compensation benefits must
keep a record of all injuries and must report such an injury causing an
absence of one day or more, or necessitating medical attendance, to
the commissioner in writing within: --- correct answer ---72 hours
The insured maintains a business where workers compensation
coverage can be written by private insurance companies. If he has
employees going to a state that is monopolistic for this coverage, what
must he do to cover his employees for workers compensation
coverage? --- correct answer ---Purchase coverage for the employees
from the state
The workers compensation definition of the "minimum average
weekly" wage? --- correct answer ---50% of the average
compensation, rounded to the next dollar
,In every state some classes of employment are exempt from workers
compensation laws. Benefits for exempt employees: --- correct
answer ---May be voluntarily provided by the employer
Who is covered under the Federal Employees Compensation Act? ---
correct answer ---Federal employees exempt under state workers
compensation laws.
A full time firefighter is injured in Vermont. When will the injuries be
considered compensable? --- correct answer ---72 hours
A contractor applying for workers compensation insurance has
traditionally worked in only one state, but is now bidding for work in
several surrounding states. What provisions of the standard policy
addresses this contractor's loss exposures that might develop during
the policy period in these new states? --- correct answer ---Other
States Insurance
Which of the following best exemplifies the fundamental tradeoff in
workers compensation laws? --- correct answer ---Employees are
provided no-fault benefits for most work-related injuries in exchange
for the loss of the right to sue the employer for damages.
,Under workers compensation insurance, the insurance company is
considered to have notice of an accident when: --- correct answer ---
The employer has notice.
A(n) is a statement that is considered to be guaranteed --- correct
answer ---Warranty
In Vermont, the employer/insurer has_ from receiving notice or
knowledge of an injury within which to determine whether workers
compensation benefits are payable. --- correct answer ---21 days
Dependent children of an employee who died as a result of a work
related accident or disease will receive benefits until the age of: ---
correct answer ---18
How are workers compensation benefits for permanent partial
disabilities determined? --- correct answer ---Employee receives 66
2/3% of his or her average weekly wage for a period of time
determined by multiplying the percentage of impairment by 330
weeks.
Which of the following are covered by the Federal Employers' Liability
Act {FELA)? --- correct answer ---Employees of interstate railroads
, If a worker is injured in a job related accident and the employer has
failed to provide the proper workers compensation coverage, the
worker must commence a civil action against the employer within
years. --- correct answer ---3 years
The employer has asked one on the employees to organize a company
baseball game. The purpose is to boost morale amongst the
employees. The company closes the business for one day and everyone
is expected to participate that physically can or desires to play. The
game is held off the work premises.
One of the employees suffers a permanent eye injury. In Vermont
workers compensation the claim may not be considered an injury that
has occurred during the course of employment unless: --- correct
answer ---A: The employer derived substantial benefit from the
activity, beyond that of attracting labor or improving employee health
and morale.
B: The activity was reasonably part of the employee's regular duties
or undertaken to meet the expectations of the employer.
C: The activity was undertaken at the request of the employer.
In Vermont, an employee must give an employer notice of an injury, a
recurrence or aggravation: --- correct answer ---ASAP
Workers Compensation Insurance Series
questions with correct verified answers
latest update
Every employer liable to pay workers compensation benefits must
keep a record of all injuries and must report such an injury causing an
absence of one day or more, or necessitating medical attendance, to
the commissioner in writing within: --- correct answer ---72 hours
The insured maintains a business where workers compensation
coverage can be written by private insurance companies. If he has
employees going to a state that is monopolistic for this coverage, what
must he do to cover his employees for workers compensation
coverage? --- correct answer ---Purchase coverage for the employees
from the state
The workers compensation definition of the "minimum average
weekly" wage? --- correct answer ---50% of the average
compensation, rounded to the next dollar
,In every state some classes of employment are exempt from workers
compensation laws. Benefits for exempt employees: --- correct
answer ---May be voluntarily provided by the employer
Who is covered under the Federal Employees Compensation Act? ---
correct answer ---Federal employees exempt under state workers
compensation laws.
A full time firefighter is injured in Vermont. When will the injuries be
considered compensable? --- correct answer ---72 hours
A contractor applying for workers compensation insurance has
traditionally worked in only one state, but is now bidding for work in
several surrounding states. What provisions of the standard policy
addresses this contractor's loss exposures that might develop during
the policy period in these new states? --- correct answer ---Other
States Insurance
Which of the following best exemplifies the fundamental tradeoff in
workers compensation laws? --- correct answer ---Employees are
provided no-fault benefits for most work-related injuries in exchange
for the loss of the right to sue the employer for damages.
,Under workers compensation insurance, the insurance company is
considered to have notice of an accident when: --- correct answer ---
The employer has notice.
A(n) is a statement that is considered to be guaranteed --- correct
answer ---Warranty
In Vermont, the employer/insurer has_ from receiving notice or
knowledge of an injury within which to determine whether workers
compensation benefits are payable. --- correct answer ---21 days
Dependent children of an employee who died as a result of a work
related accident or disease will receive benefits until the age of: ---
correct answer ---18
How are workers compensation benefits for permanent partial
disabilities determined? --- correct answer ---Employee receives 66
2/3% of his or her average weekly wage for a period of time
determined by multiplying the percentage of impairment by 330
weeks.
Which of the following are covered by the Federal Employers' Liability
Act {FELA)? --- correct answer ---Employees of interstate railroads
, If a worker is injured in a job related accident and the employer has
failed to provide the proper workers compensation coverage, the
worker must commence a civil action against the employer within
years. --- correct answer ---3 years
The employer has asked one on the employees to organize a company
baseball game. The purpose is to boost morale amongst the
employees. The company closes the business for one day and everyone
is expected to participate that physically can or desires to play. The
game is held off the work premises.
One of the employees suffers a permanent eye injury. In Vermont
workers compensation the claim may not be considered an injury that
has occurred during the course of employment unless: --- correct
answer ---A: The employer derived substantial benefit from the
activity, beyond that of attracting labor or improving employee health
and morale.
B: The activity was reasonably part of the employee's regular duties
or undertaken to meet the expectations of the employer.
C: The activity was undertaken at the request of the employer.
In Vermont, an employee must give an employer notice of an injury, a
recurrence or aggravation: --- correct answer ---ASAP
