In Hawaii, employers are expected to have insurance covers for their workers. For one to become a workers compensation adjuster, you need to have proper knowledge of claims, how to investigate them and negotiating settlements. Take the test below to gauge your knowledge on the insurance cover in preparation for getting the license.
The ER
The EE
The insurance company
The State of Hawaii
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Up to 6 months
Up to 1 year
Up to 5 years
As long as is reasonably required
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18
21
25
23
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7 days
5 days
3 days
There is no waiting period
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Disability income benefits
Medical benefits
Survivor benefits
Rehabilitation benefits
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Umbrella liability insurance
Directors and officers liability insurance
Excess insurance
Exclusive state fund insurance
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70%
80%
75.50%
66.66%
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Purchasing insurance from an authorized insurance company
Depositing satisfactory funds with the state Director of finance
Requiring all EE's to waive rights to compensation benefits
Becoming a member of a valid WC self-insurance group
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Beginning on the DOI
Beginning on the fourth day after the injury
Beginning on the eleventh day after the injury
Beginning on the thirty-first day after the injury
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The EE continues to act rudely toward the medical providers staff
The EE has failed to take prescribed medication on at least 4 or more occasions
The EE refuses to accept or obstructs the service of a properly-selected physician
The EE is continually late to medical appointments
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6 months
1 year
5 years
8 years
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Permanent and total loss of sight in both eyes
Loss of 1 hand and 1 foot
A skull injury resulting in insanity
All of the above
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A part-time EE injured in a work-related accident
A truck driver injured while driving the company truck
An EE accidently injured a bystander who was observing a construction project
An EE contracted a disease w/in the factory
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An EE got hurt on a machine that he has been told repeatedly to stay away from, since he has not been properly trained
An injury occurred after the removal of a safety guard
An injury to a factory worker occurred after her intoxicated boss told her to speed up her work rate
An injury was intentionally self-inflicted by the EE
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For 5 years following death
Until age 18 or longer if still in an accredited school
Until age 18
Until age 21
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$1,000
$500
$250 or up to $10 per EE
$200 or up $100 per EE
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Rebating
Defamation
Coercion
Estoppel
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No, because the EE was outside the covered state or territory
Yes, since the EE was temporarily outside the coverage territory
Yes, but only if French laws allowed the suit to be followed
No, because the ER's liability responds to claims occurring in the USA
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A competitive business practice
A fair and reasonable practice
An unfair claim settlement practice
A fraudulent business practice
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Five years
Three years
Eight years
One year
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An injury which results from an EE's intoxication
A disease which is proximately the result of employment
An injury which was intentionally self-inflicted
An injury to a third party caused accidentally by an EE
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The worker was injured while violating a company rule at lunch break
The risk of injury was known to the worker
The injury was caused by the carelessness of a fellow worker
The injured worker was guilty of contributory negligence
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Certain benefits will be paid to the surviving spouse until death or remarriage
No benefits beyond funeral expenses will be paid to anyone
Certain benefits will be paid to surviving children as long as they remain in school
Funeral expenses are not compensable
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A factory EE was injured while driving his own car home from work
An EE was injured while under the influence of alcohol
An EE intentionally injured herself at work
All of the above
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An examiner appointed by the insurance commissioner
An independent bill reviewer
A public adjuster
None of the above
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Statutory coverage only
The policy would not cover this type of claim
Dependents do not have recourse in this situation
ER's liability coverage would respond
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48 hours
7 working days
10 days
14 days
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$10 per EE subject to a minimum penalty of $100
$100 per EE subject to minimum penalty of $1,000
$250, OR up to $10 per EE per day that coverage is not place
$100 for each day that coverage is not in place
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Exempt employments
Illegal employment
Non-compensable injuries
All of the above
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To prevent discrimination by the ERs
To assure a proper profit margin for insurers
To accurately reflect the risks of each ER
To encourage safety in the workplace
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The ER may select any physician or surgeon practicing on the island where the injury occurred
The ER and EE must first agree on the selection of physician or surgeon
A list of physicians and surgeons are given to each ER at the time of arranging security
The injured EE may select any physician or surgeon practicing on the island where the injury occurred
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$5,000
$10,000
$20,000
$30,000
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An additional amount of 5% for each month the compensation remains unpaid
Shutdown of all Hawaii operations
No penalty of receiving a final warning notice form the director of labor and industry relations
An additional amount equal to 20% of the unpaid compensation
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Designed to save the ER premium
Designed to cover all ER's w/in the state
The fund reimburses ER's who employ EE's w/ a pre-existing partial disability who suffer a 2nd injury
All ER's which have had 2 or more WC claims in the past years have their premiums surcharged
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A teacher's aide volunteering at a public school
A student performing services under a work-study program at a university
A duly ordained minister working at a church
A firm employing only one part-time worker
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They apply only to Hawaii residents
They cover medical costs only
They are the sole remedy for work-related injuries
They cover non-economic damages like pain and suffering
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6 months
1 year
5 years
8 years
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The insurer's duty to pay promptly, when due, the benefits required of the ER by the W/C statute
Those situations in which an IW can sue the insured
The coverage in the stats where a insured's operations are known
The insured's duties in the event of the injury
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It must be purchased from an insurer domiciled in Hawaii
Private insurers compete with the State Workers Compensation Fund
It may be purchased from an authorized insurance carrier or it may be self-insured
It is written exclusively by the Hawaii State Fund
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Coverage applies to EE's hired w/in the limits of the USA while they are traveling or temporarily residing outside the US, its territories or possessions, or Canada.
EE's hired outside the limits of the US are not covered
EE's hired w/in the US can be covered abroad for 90 days or less
All of the above
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48 hours
3 business days
7 working days
10 working days
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The provider of the services
The ER
The EE
The director of labor and industry relations
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I and II
I, II and III
I and III
II and III
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WC
Owners and contractors protective liability
Commercial general liability
Premises and operations liability
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24 hours
48 hours
7 working days
10 days
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Add the states to the ER's W/C policy
Purchase coverage for the EE's from the state
Secure general liability coverage
Purchase an umbrella policy
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Products
Contractual
Claims that not subject to W/C laws
Completed Operations
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Gross sales
Payroll
Federal Tax
EE population
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