Chapter 18: Workers Compensation
Only used by FSS team for INS exam.
- 1.
Which one of the following injuries qualifies as a compensable injury under workers compensation laws?
- A.
A factory worker fractures her arm while working overtime on the assembly line.
- B.
A hotel maid falls down the stairs while cleaning her own home.
- C.
A secretary accidentally swallows his gum while in the company lunchroom and chokes when it gets lodged in his windpipe.
- D.
An office manager is injured in a traffic accident on his way to work.
Correct Answer
A. A factory worker fractures her arm while working overtime on the assembly line.Explanation
A is correct. Work-related injuries must arise out of employment and arise in the course of employment to be compensable. Time, place, and circumstances are all considered in making this determination.Rate this question:
-
- 2.
Which of the following benefits are paid under workers compensation laws?
- A.
Medical
- B.
Rehabilitation
- C.
Disability income
- D.
Pain and suffering
Correct Answer(s)
A. Medical
B. Rehabilitation
C. Disability incomeExplanation
A, B, and C are correct. Workers compensation laws pay benefits in four categories: disability/loss of income benefits, medical benefits, survivor/death benefits, and rehabilitation benefits. They do not pay benefits for pain and suffering.Rate this question:
-
- 3.
In most states, workers compensation laws apply to which of the following?
- A.
Only to workers in occupations that are considered extremely hazardous
- B.
To most workers except those specifically excluded by law
- C.
To full-time workers only
- D.
To all workers
Correct Answer
B. To most workers except those specifically excluded by lawExplanation
B is correct. Every state has some exempt classifications, but the majority of the nation's employees are covered under workers compensation laws.Rate this question:
-
- 4.
Under which part of a Workers Compensation and Employers Liability policy would you find a description of the insured's obligations when an injury occurs?
- A.
Part One
- B.
Part Two
- C.
Part Three
- D.
Part Four
Correct Answer
D. Part FourExplanation
D is correct. Part Four describes the insured's duties when a worker is injured. Part One describes the general terms of the workers compensation policy. Part Two is Employers Liability Insurance. Part Three is Other States Insurance.Rate this question:
-
- 5.
Under which part of a Workers Compensation and Employers Liability policy would you find a description of employers liability coverage provided?
- A.
Part One
- B.
Part Two
- C.
Part Three
- D.
Part Four
Correct Answer
B. Part TwoExplanation
B is correct. Part One describes the Workers Compensation coverage, and Part Two describes the Employers Liability coverage. Part Three is Other States Insurance, and Part Four describes the insured's duties upon a loss.Rate this question:
-
- 6.
Chapter 18George is a trash collector earning $35,000 a year who hurts his back on the job, so he can no longer go out with the collection trucks. However, he can still be a route coordinator in the office at a salary of $25,000 per year. To what extent is George industrially disabled?
- A.
$35,000 per year
- B.
$25,000 per year
- C.
$10,000 per year
- D.
$0 per year
Correct Answer
C. $10,000 per yearExplanation
C is correct. Industrially disability measures the earnings an injured worker had before and after the injury. George's industrial disability is found by subtracting his route coordinator earnings of $25,000 from his trash collector earnings of $35,000.Rate this question:
-
Quiz Review Timeline +
Our quizzes are rigorously reviewed, monitored and continuously updated by our expert board to maintain accuracy, relevance, and timeliness.
-
Current Version
-
Mar 22, 2023Quiz Edited by
ProProfs Editorial Team -
Feb 24, 2009Quiz Created by
Fsspc
Back to top