WORKER'S COMP EXAM STUDY SET QUESTIONS & ANSWERS CORRECT 100%

WORKER'S COMP EXAM STUDY SET
QUESTIONS & ANSWERS CORRECT
100%

What important legal concept was introduced by the workers' compensation system?
A) Common law liability B) Negligence C) Personal liability D) No-fault liability -
ANSWERD) No-fault liability

Which of the following statements are CORRECT? A)Disability, medical, survivor,
and rehabilitation benefits are included in all workers compensation laws. B) Neither
statement is correct. C) Both statements are correct. D)Actual details of the
provisions regarding workers' compensation benefits are likely to be somewhat
different in every state since they are established by state law - ANSWERC) Both
statements are correct.

An injury that results in permanent disability is likely to be compensated on a A)
weekly basis B) lump-sum basis - ANSWERB) lump-sum basis

Temporary disability payments are likely to be paid on a A) weekly basis B) lump-
sum basis - ANSWERA) weekly basis

Some workers' compensation legislation may require both weekly and lump-sum
benefits. A) False B) True - ANSWERB) True

Which of the following statements are CORRECT? A)All of these statements are
correct. B)Some jurisdictions , in addition to computing average weekly wages and
applying a mandated percentage , stipulate maximum or minimum payments. C) The
average weekly wage computed is always the amount paid to a disabled worker.
D)Average weekly wage is the basis for determining workers' compensation benefits
that are paid on a lump-sum basis - ANSWERD)Average weekly wage is the basis
for determining workers' compensation benefits that are paid on a lump-sum basis

Quick Quiz: Which of the following statements are CORRECT? A)Under a typical
workers' compensation law, the ability to return to work is not a significant factor in a
schedule benefit. B)Under a schedule benefit , an injured worker may receive either
a one-time lump-sum payment equal to a specified number of weeks of disability
payments or weekly benefits for a specified number of weeks regardless of ability to
return to work or actually returning to work. C) All of these statements are correct. D)
Schedule benefits typically apply to disabling injuries that are considered permanent
- ANSWERC) All of these statements are correct.

Where disfigurement benefits apply, they are considered a subset of A) rehabilitation
benefits. B) medical benefits. C) extra income benefits. D) disability benefits. -
ANSWERD) disability benefits.

,Which one of the following expenses would NOT be paid by workers' compensation
medical benefits if incurred by an injured worker? A) Costs to reimburse the worker
for wages lost following the injury B) Transportation costs from the place of
employment to an emergency room C) The fee of an orthopedic surgeon treating the
injured person D) The cost of a prescription to relieve the injured worker's pain -
ANSWERA) Costs to reimburse the worker for wages lost following the injury

Which one of the following is NOT taken into consideration when determining the
amounts to be paid as survivor benefits? A) The number of dependents surviving the
deceased B) The generosity of the deceased employee's employer C) Maximum
benefits specified in the individual workers compensation law D) The deceased's
earnings - ANSWERB) The generosity of the deceased employee's employer

Which of these are likely to be funded by workers' compensation rehabilitation
benefits? Assume in all cases the individual was injured on the job and is eligible for
workers' compensation benefits. A)A monitored exercise program prescribed by a
physician for a worker whose limbs have withered following months of hospitalization
B) All of these expenses would be eligible C) Costs to travel to a nearby city for
training in the use of an artificial limb D) Training in office skills for a manual laborer
whose legs were amputated in an accident - ANSWERB) All of these expenses
would be eligible

Which of the following statements are CORRECT? A) Neither statement is correct.
B) Both statements are correct. C) Rehabilitation often leads to lower costs for
insurance payouts. D) Rehabilitation frequently brings disabled workers back to
gainful employment and self-dignity - ANSWERB) Both statements are correct.

The first requirement for an injury to be compensable by workers' compensation is
that the injury be accidental from the viewpoint of A) the injured worker B) the
employer - ANSWERA) the injured worker

Which of the following examples meet the arising out of employment criterion? A)A
worker using a power saw in a factory is injured when a piece of wood is ejected
from the material being cut. B) Neither of these. C) A factory worker suffers minor
internal injury from harsh coughing as the result of cigarette smoking. D) Both of
these. - ANSWERA)A worker using a power saw in a factory is injured when a piece
of wood is ejected from the material being cut.

Which of the following injuries appear to qualify as compensable under workers'
compensation law? A)A service technician drives a company vehicle to service
clients' equipment at their premises. The technician is injured in an auto accident
while en route to a client's location. B) Neither of these. C)A service technician drives
a company vehicle while at work and is permitted to take the company vehicle home
at night. After working hours in her own neighborhood , the technician is injured in an
auto accident. D) Both of these - ANSWERA)A service technician drives a company
vehicle to service clients' equipment at their premises. The technician is injured in an
auto accident while en route to a client's location.

,Which of the following injuries would probably be excluded under state workers'
compensation laws? A)Dave is furious with his supervisor, Frank, over a bad
performance review and punches Frank in the nose . Dave's hand is broken as a
result. B)Martin sprains his knee while playing softball for his employer-sponsored
team. Martin was not required to join the team as a condition of his employment. C)
Lisa, a restaurant employee , is seriously burned when she trips over a customer's
foot and spills the pot of coffee she was carrying on herself. D) The examples
involving Martin and Dave would be excluded - ANSWERD) The examples involving
Martin and Dave would be excluded

Which of the following qualify as an occupational disease as we have defined it
here? A)A school teacher develops bronchitis while in the classroom. B) A wine
taster employed by a winery becomes ill after drinking from a single batch of
contaminated wine . C) A shipping clerk comes down with influenza while on the job.
D)A chemical engineer develops a throat disease due to working with toxins in the
laboratory where she is employed . - ANSWERD)A chemical engineer develops a
throat disease due to working with toxins in the laboratory where she is employed .

Which of the following statements are CORRECT? A)Treating nonoccupational
diseases as occupational diseases for workers' compensation purposes is not
uniform throughout the U.S. B) Neither statement is correct. C) Both statements are
correct. D) Certain diseases that the general public is exposed to may be considered
occupational diseases - ANSWERC) Both statements are correct.

The type of disability that does not last for a lifetime is known as a A) permanent
disability B) temporary disability - ANSWERB) temporary disability

A disability that lasts for a lifetime is called a A) permanent disability B) temporary
disability - ANSWERA) permanent disability

Marcos, a construction worker, injures his back when he falls off a roof at a
construction site. This injury leaves him permanently unable to lift more than 20
pounds, so he cannot continue working in construction. Marcos completes a training
program to become a paralegal and is hired to work at a law firm. Marcos's injury
would be considered a A) partial disability B) total disability - ANSWERA) partial
disability

Doris, a police officer, sustains a severe head injury while attempting to arrest a
suspect. Doris is only able to regain minimal mental and physical functioning after
the injury and must be admitted to a nursing home . Doris's injury would be
considered a A) partial disability B) total disability - ANSWERB) total disability

In an elective state, which of the following must always be covered? A) Government
workers B) Domestic servants C) Farm employees D) People employed in private
industry - ANSWERA) Government workers

An employer who has only two employees chooses to be covered by the state
workers' compensation law. Shortly thereafter, one of her employees is injured. Can
the employer now deny her employee the compensation benefits provided under her
state laws? A) No B) Yes - ANSWERA) No

, Suppose an employer, Devereaux Corporation, purchases a workers' compensation
policy from QQQ Insurance Company. Three months later an employee , Terry
Pincheon, is injured while on the job and misses five weeks of work. Who will pay the
compensation benefits to which Pincheon is entitled? A) QQQ Insurance Company
B) Devereaux Corporation - ANSWERA) QQQ Insurance Company

In a monopolistic jurisdiction , an employer may purchase workers' compensation
coverage from A) the state insurance department B) a state fund C) a private
insurance company D) either a private insurance company or a state fund -
ANSWERB) a state fund

In a competitive fund state, an employer may purchase workers compensation
insurance from A) a state fund B) either a private insurance company or a state fund
C) a private insurance company D) the state insurance department - ANSWERB)
either a private insurance company or a state fund

To safely self-insure , an employer should have a large spread of risk. A) True B)
False - ANSWERA) True

The self-insurance method of funding workers' compensation benefits is available in
all jurisdictions . A) True B) False - ANSWERB) False

I f an employer is self-insured, it must demonstrate that it meets funding
requirements by filing with the appropriate authority. A) False B) True - ANSWERB)
True

Some jurisdictions permit group self-insurance for small employers. A) False B) True
- ANSWERB) True

In order to self-insure, an employer must form a subsidiary insurance company to
handle its workers' compensation claims. A) False B) True - ANSWERA) False

Angelo Puccini is employed as a mid-level manager by Topline Sporting Goods
Manufacturing Corporation in a state where the workers' compensation law includes
extraterritorial provisions. Topline's only facility is located in this state. Puccini
performs his job in that state 90% of the time. I f Puccini travels to another state for a
sporting goods distributors convention and injures his back while working at his
employer's display booth, he is entitled to the workers' compensation benefits
provided by A) both states B) the state where he works 90% of the time C) the state
where he was working when the injury occurred D) the state that offers more
generous benefits - ANSWERB) the state where he works 90% of the time

Which statements are TRUE concerning illegal employment of minors? A)Both
statements are correct. B) Neither statement is correct. C) In most jurisdictions ,
illegally employed minors are not covered by workers' compensation laws. D )I f an
illegally employed minor is injured on the job , the employer may have to pay from
50% to two times greater compensation benefits than normal. - ANSWERD )I f an
illegally employed minor is injured on the job , the employer may have to pay from
50% to two times greater compensation benefits than normal.