NH INSURANCE LAWS AND REGULATIONS
EXAM 2025/2026 WITH 100% ACCURATE
ANSWERS
1. An injured employee must generally file a claim for worker's comp
benefits within what time period after the injury occurred?
1 year
2 years
6 months
3 months
2. When is the employer required to report an industrial injury to the
director?
Within 14 days
Within 2 days
Within 7 days
Immediately from the time of injury
3. What is the time frame within which an employee must provide notice of
injury to avoid being barred from claiming benefits?
One year
Five years
Three years
Two years
4. Describe how the compensation for temporary total disability is
,determined when an employee's average weekly wage exceeds 30% of
the state's average weekly wage.
Compensation is based solely on the state's average weekly
, wage without considering the employee's average wage.
Compensation is always 80% of the employee's average weekly
salary without any caps.
Compensation is determined as 60% of the employee's average
weekly wage or 30% of the state's average weekly wage,
whichever is greater, but cannot exceed 150% of the state's
average weekly wage.
Compensation is fixed at 100% of the employee's after-tax
earnings regardless of the state's average weekly wage.
5. When is an employer not responsible to pay Workers' Compensation
benefits to an employee that has been injured.
When the injury was the result of a physical altercation caused by
an employee other than the injured employee.
When the injury was caused by intoxication of the injured
employee.
When the injury was an accident.
6. Describe the compensation structure for an employee whose average
weekly wage is 30% or less of the state's average weekly wage.
The employee will receive 100% of their average weekly wage
without any limits.
The employee will receive a fixed amount set by the state,
regardless of their average weekly wage.
The employee will receive 75% of their average weekly wage
regardless of after-tax earnings.
The employee will receive their full average weekly wage, but
it cannot exceed 90% of their after-tax earnings.
7. If an employee's claim is disputed due to conflicting medical opinions,
, what steps should the adjuster take to resolve the issue?
Request an Independent Medical Examination (IME) from a
specialist.
Deny the claim based on existing medical opinions.
Consult with the employee's primary care physician only.
Automatically approve the claim without further investigation.
8. What is the reporting requirement for insurance carriers regarding total
disability payments?
Report each compensable injury case to the Commissioner.
Submit medical records to the employer.
Provide a summary of all claims to the insurance board.
Notify the employee of their rights.
9. The time limitation for filing petitions for Workers' Compensation
benefits is __________ after the date on which the employer knew that the
injury arose from work performed during the employment.
1 year
90 days
30 days
2 years
10. If a self-insurer mistakenly sends irrelevant medical records to an
unauthorized party, what steps should they take to mitigate potential
penalties?
They should deny any responsibility for the mistake.
They should notify the commissioner and take corrective
EXAM 2025/2026 WITH 100% ACCURATE
ANSWERS
1. An injured employee must generally file a claim for worker's comp
benefits within what time period after the injury occurred?
1 year
2 years
6 months
3 months
2. When is the employer required to report an industrial injury to the
director?
Within 14 days
Within 2 days
Within 7 days
Immediately from the time of injury
3. What is the time frame within which an employee must provide notice of
injury to avoid being barred from claiming benefits?
One year
Five years
Three years
Two years
4. Describe how the compensation for temporary total disability is
,determined when an employee's average weekly wage exceeds 30% of
the state's average weekly wage.
Compensation is based solely on the state's average weekly
, wage without considering the employee's average wage.
Compensation is always 80% of the employee's average weekly
salary without any caps.
Compensation is determined as 60% of the employee's average
weekly wage or 30% of the state's average weekly wage,
whichever is greater, but cannot exceed 150% of the state's
average weekly wage.
Compensation is fixed at 100% of the employee's after-tax
earnings regardless of the state's average weekly wage.
5. When is an employer not responsible to pay Workers' Compensation
benefits to an employee that has been injured.
When the injury was the result of a physical altercation caused by
an employee other than the injured employee.
When the injury was caused by intoxication of the injured
employee.
When the injury was an accident.
6. Describe the compensation structure for an employee whose average
weekly wage is 30% or less of the state's average weekly wage.
The employee will receive 100% of their average weekly wage
without any limits.
The employee will receive a fixed amount set by the state,
regardless of their average weekly wage.
The employee will receive 75% of their average weekly wage
regardless of after-tax earnings.
The employee will receive their full average weekly wage, but
it cannot exceed 90% of their after-tax earnings.
7. If an employee's claim is disputed due to conflicting medical opinions,
, what steps should the adjuster take to resolve the issue?
Request an Independent Medical Examination (IME) from a
specialist.
Deny the claim based on existing medical opinions.
Consult with the employee's primary care physician only.
Automatically approve the claim without further investigation.
8. What is the reporting requirement for insurance carriers regarding total
disability payments?
Report each compensable injury case to the Commissioner.
Submit medical records to the employer.
Provide a summary of all claims to the insurance board.
Notify the employee of their rights.
9. The time limitation for filing petitions for Workers' Compensation
benefits is __________ after the date on which the employer knew that the
injury arose from work performed during the employment.
1 year
90 days
30 days
2 years
10. If a self-insurer mistakenly sends irrelevant medical records to an
unauthorized party, what steps should they take to mitigate potential
penalties?
They should deny any responsibility for the mistake.
They should notify the commissioner and take corrective
