Hawaii Insurance Workers Compensation Adjuster License Practice Exam
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.
- 1.In Hawaii, how long must an insurer or a self-insured ER retain records of W/C claims for the inspection of the insurance commissioner?
- A.
6 months
- B.
1 year
- C.
5 years
- D.
8 years
- 2.WOTF individuals is most likely to have a valid W/C claim?
- A.
A retiree injured while visiting his former workplace
- B.
An EE who suffers a diabetic coma from failure to take prescribed medicine
- C.
A sole proprietor injured in an auto accident while driving to a friend's house
- D.
An EE injured while performing an operation for which he had not received training
- 3.If a TTD claim in the state of Hawaii is not being contested, how long after the ER receives notice of the disability must benefits begin to be paid?
- A.
7 working days
- B.
10 days
- C.
14 days
- D.
21 days
- 4.Failing to provide WC coverage in Hawaii can result in what immediate financial penalty?
- A.
$10 per EE subject to a minimum penalty of $100
- B.
$100 per EE subject to minimum penalty of $1,000
- C.
$250, OR up to $10 per EE per day that coverage is not place
- D.
$100 for each day that coverage is not in place
- 5.In Hawaii, which party submits a closing report upon the termination of VR services?
- A.
The provider of the services
- B.
The ER
- C.
The EE
- D.
The director of labor and industry relations
- 6.Would a claim under ER's liability insurance for an EE on business temporarily in France be covered?
- A.
No, because the EE was outside the covered state or territory
- B.
Yes, since the EE was temporarily outside the coverage territory
- C.
Yes, but only if French laws allowed the suit to be followed
- D.
No, because the ER's liability responds to claims occurring in the USA
- 7.All of the following circumstances would be covered under W/C, except?
- A.
The worker was injured while violating a company rule at lunch break
- B.
The risk of injury was known to the worker
- C.
The injury was caused by the carelessness of a fellow worker
- D.
The injured worker was guilty of contributory negligence
- 8.WOTF is true regarding consultations because the situation is life threatening or could cause serious harm?I. The attending physician will notify the ER ASAPII. The consultant will provide a copy of the consultation report to the attending physicianIII. The copy of the consultation report must be given to the ER w/in 14 calendar days of the examination
- A.
I and II
- B.
I, II and III
- C.
I and III
- D.
II and III
- 9.Part I of the W/C ER Liability Insurance Policy describes:
- A.
The insurer's duty to pay promptly, when due, the benefits required of the ER by the W/C statute
- B.
Those situations in which an IW can sue the insured
- C.
The coverage in the stats where a insured's operations are known
- D.
The insured's duties in the event of the injury
- 10.WOTF is true about the Jones Act?I. It allows injure crew members to sue the ER for negligenceII. It allows the personal representative of a deceased crew member to sue the ERIII. It was named after Williams Jones, who lost his life on the high seas in 1933
- A.
I and III only
- B.
II and III only
- C.
I, II and III
- D.
I and II only
- 11.If an injury to a Hawaii EE is ultimately found to be the fault of a party other than the ER, WOTF is FALSE?
- A.
The EE or his dependents may recover damages from the liable party
- B.
The ER, having already paid for compensation for the injury, shall have the right to recover damages from the liable party
- C.
IF the EE wins damages from a party other than the ER, the EE can retain those monies in addition to the compensation received from the ER
- D.
If the EE wins damages from a party other than the ER, the EE must reimburse the ER for the compensation payments it has made to the EE
- 12.In the case of a compensable injury in Hawaii, who normally chooses the physician for medical treatment?
- A.
The ER
- B.
The EE
- C.
The insurance company
- D.
The State of Hawaii
- 13.The insured maintains a business where workers compensation coverage can be written by private insurance companies. If he has EE's going to a state that is monopolistic for this coverage, what must he do to cover his EE's for W/C coverage?
- A.
Add the states to the ER's W/C policy
- B.
Purchase coverage for the EE's from the state
- C.
Secure general liability coverage
- D.
Purchase an umbrella policy
- 14.In Hawaii, WOTF incidents would most likely not constitute a compensable W/C claim?
- A.
A factory EE was injured while driving his own car home from work
- B.
An EE was injured while under the influence of alcohol
- C.
An EE intentionally injured herself at work
- D.
All of the above
- 15.What is the waiting period in Hawaii before an EE becomes entitled to receive TTD benefits?
- A.
7 days
- B.
5 days
- C.
3 days
- D.
There is no waiting period
- 16.When an industrial injury results in death to a Hawaii EE, what funeral benefits, if any, are provided under the W/C law?
- A.
Up to 3 times the maximum week benefit rate
- B.
Up to 10 times the maximum week benefit rate
- C.
$5,000 maximum
- D.
No benefits are provided for funeral expenses
- 17.Part II of the ER's Liability Coverage, provides WOTF W/C coverage?
- A.
Products
- B.
Contractual
- C.
Claims that not subject to W/C laws
- D.
Completed Operations
- 18.Under a standard WC policy, the insurer is considered to have received notice of a claim:
- A.
When the EE informs the insurer
- B.
On the day the insurer receives notice of the claim by certified mail
- C.
When the ER informs the insurer
- D.
When the ER has notice of the claim
- 19.The premium adjustment made for the current year of W/C coverage is sometimes based on prior years' loss experience. This is called:
- A.
Loss rating
- B.
Scheduled rating
- C.
Experience modification rating
- D.
Loss adjustment rating
- 20.For a claim to be compensable in Hawaii, written notice must be made to the director of labor and industry relations w/in how many years after the effects of the injury become manifest?
- A.
1 year
- B.
2 years
- C.
3 years
- D.
5 years
- 21.WOTF EE's would be considered a Longshoreman?
- A.
One who works aboard an ocean liner out at sea
- B.
One who loads ships at the dock
- C.
One who works for a shoreline restoration firm
- D.
A truck driver hauling a load from a ship
- 22.WOTF work-related injuries would be deemed to be PTD in Hawaii?
- A.
Permanent and total loss of sight in both eyes
- B.
Loss of 1 hand and 1 foot
- C.
A skull injury resulting in insanity
- D.
All of the above
- 23.Under Hawaii law, for what period of time is an ER responsible to pay for an injured EE's medical care?
- A.
Up to 6 months
- B.
Up to 1 year
- C.
Up to 5 years
- D.
As long as is reasonably required
- 24.WOTF would fall outside the scope of WC laws?
- A.
A part-time EE injured in a work-related accident
- B.
A truck driver injured while driving the company truck
- C.
An EE accidently injured a bystander who was observing a construction project
- D.
An EE contracted a disease w/in the factory
- 25.Dependent children of a worker killed on the job will receive income benefits:
- A.
For 5 years following death
- B.
Until age 18 or longer if still in an accredited school
- C.
Until age 18
- D.
Until age 21
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