Hawaii Insurance Workers Compensation Adjuster License Practice Exam

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  • 1/82 Questions

    WOTF individuals is most likely to have a valid W/C claim?

    • A retiree injured while visiting his former workplace
    • An EE who suffers a diabetic coma from failure to take prescribed medicine
    • A sole proprietor injured in an auto accident while driving to a friend's house
    • An EE injured while performing an operation for which he had not received training
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About This Quiz

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.

Hawaii Insurance Workers Compensation Adjuster License Practice Exam - Quiz

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  • 2. 

    In the case of a compensable injury in Hawaii, who normally chooses the physician for medical treatment?

    • The ER

    • The EE

    • The insurance company

    • The State of Hawaii

    Correct Answer
    A. The EE
    Explanation
    In the case of a compensable injury in Hawaii, the employee (EE) is normally the one who chooses the physician for medical treatment. This means that the injured employee has the right to select their own healthcare provider for treatment related to their work-related injury. The employee's choice of physician is important as it allows them to receive the necessary medical care and treatment that they deem fit for their injury.

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  • 3. 

    Under Hawaii law, for what period of time is an ER responsible to pay for an injured EE's medical care?

    • Up to 6 months

    • Up to 1 year

    • Up to 5 years

    • As long as is reasonably required

    Correct Answer
    A. As long as is reasonably required
    Explanation
    Under Hawaii law, an employer is responsible for paying for an injured employee's medical care for as long as it is reasonably required. This means that there is no specific time limit set by the law, and the employer must continue to cover the medical expenses until the injured employee has fully recovered or no longer requires treatment. The duration of coverage will depend on the individual circumstances and the medical needs of the injured employee.

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  • 4. 

    An applicant for a WC adjuster license in Hawai must be at least how old?

    • 18

    • 21

    • 25

    • 23

    Correct Answer
    A. 18
    Explanation
    An applicant for a WC adjuster license in Hawaii must be at least 18 years old. This age requirement ensures that individuals applying for the license have reached a legal age and are considered adults, capable of taking on the responsibilities associated with being a workers' compensation adjuster. Being 18 years old also aligns with the minimum age requirement for many other professional licenses and certifications.

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  • 5. 

    What is the waiting period in Hawaii before an EE becomes entitled to receive TTD benefits?

    • 7 days

    • 5 days

    • 3 days

    • There is no waiting period

    Correct Answer
    A. 3 days
    Explanation
    The waiting period in Hawaii before an EE becomes entitled to receive TTD benefits is 3 days. This means that an employee must wait for three days before they are eligible to receive temporary total disability benefits.

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  • 6. 

    WOTF basic WC benefits compensates for the loss of income or earning capacity suffered by an injured worker?

    • Disability income benefits

    • Medical benefits

    • Survivor benefits

    • Rehabilitation benefits

    Correct Answer
    A. Disability income benefits
    Explanation
    Disability income benefits are designed to compensate for the loss of income or earning capacity experienced by an injured worker. These benefits provide financial support to individuals who are unable to work due to a disability or injury, helping to replace a portion of their lost wages. By receiving disability income benefits, injured workers can continue to meet their financial obligations and maintain their standard of living while they recover from their injuries. These benefits are an essential component of workers' compensation programs, ensuring that injured workers are not financially burdened by their inability to work.

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  • 7. 

    What coverage might a self-insured ER purchase to cover WC claims that exceeded their plan's pre-established limits?

    • Umbrella liability insurance

    • Directors and officers liability insurance

    • Excess insurance

    • Exclusive state fund insurance

    Correct Answer
    A. Excess insurance
    Explanation
    Excess insurance is a type of coverage that a self-insured ER might purchase to cover workers' compensation (WC) claims that exceed the limits set by their self-insurance plan. This coverage provides additional protection and helps the ER handle unexpected and high-cost claims that go beyond their self-insured plan's limits. By purchasing excess insurance, the ER can mitigate the financial risk associated with WC claims and ensure that they have adequate coverage in case of large claims.

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  • 8. 

    In Hawaii, what percentage of an EE's AWW is paid in case of a work related claim that results in a PTD?

    • 70%

    • 80%

    • 75.50%

    • 66.66%

    Correct Answer
    A. 66.66%
    Explanation
    In Hawaii, when an employee experiences a work-related claim that leads to Permanent Total Disability (PTD), they are entitled to receive 66.66% of their Average Weekly Wage (AWW) as compensation. This means that if an employee is unable to work due to a work-related injury or illness resulting in PTD, they will receive approximately two-thirds of their usual weekly earnings as financial support.

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  • 9. 

    WOTF is not an acceptable form of security for the payment of WC benefits?

    • 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

    Correct Answer
    A. Requiring all EE's to waive rights to compensation benefits
    Explanation
    Requiring all employees to waive their rights to compensation benefits is not an acceptable form of security for the payment of workers' compensation benefits. This is because employees have a legal right to receive compensation for work-related injuries or illnesses, and waiving these rights would be a violation of labor laws. Acceptable forms of security include purchasing insurance from an authorized insurance company, depositing satisfactory funds with the state Director of Finance, or becoming a member of a valid workers' compensation self-insurance group.

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  • 10. 

    In the case of a compensable injury resulting in TTD, when does the injured EE become entitled to disability benefits?

    • 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

    Correct Answer
    A. Beginning on the fourth day after the injury
    Explanation
    The injured employee becomes entitled to disability benefits beginning on the fourth day after the injury.

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  • 11. 

    It is possible that medical care benefits to an injured Hawaii EE may be suspended. WOTF would cause such a suspension?

    • 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

    Correct Answer
    A. The EE refuses to accept or obstructs the service of a properly-selected physician
    Explanation
    If an injured Hawaii employee refuses to accept or obstructs the service of a properly-selected physician, it may lead to the suspension of medical care benefits. This is because the employer or insurance provider has the right to select a physician to provide medical treatment for the injured employee, and if the employee refuses to cooperate with this selection, it can result in the suspension of their medical care benefits.

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  • 12. 

    In Hawaii, how long must an insurer or a self-insured ER retain records of WC claims for the inspection of the insurance commissioner?

    • 6 months

    • 1 year

    • 5 years

    • 8 years

    Correct Answer
    A. 8 years
    Explanation
    Insurers and self-insured ERs in Hawaii are required to retain records of workers' compensation claims for 8 years for inspection by the insurance commissioner. This is likely to ensure that there is a sufficient record of past claims and to allow for any necessary investigations or audits by the insurance commissioner. The longer retention period also allows for any potential disputes or legal actions that may arise in the future to be properly addressed and resolved.

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  • 13. 

    WOTF work-related injuries would be deemed to be PTD in Hawaii?

    • 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

    Correct Answer
    A. All of the above
    Explanation
    All of the mentioned work-related injuries would be deemed to be Permanent Total Disability (PTD) in Hawaii. These injuries, including permanent and total loss of sight in both eyes, loss of 1 hand and 1 foot, and a skull injury resulting in insanity, are severe and debilitating enough to render the individual permanently and totally disabled. Therefore, all of these injuries would qualify for PTD status in Hawaii.

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  • 14. 

    WOTF would fall outside the scope of WC laws?

    • 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

    Correct Answer
    A. An EE accidently injured a bystander who was observing a construction project
    Explanation
    The question is asking which scenario would fall outside the scope of workers' compensation laws. Workers' compensation laws typically cover injuries or illnesses that occur in the workplace or during work-related activities. In the given scenarios, all except for the one where an employee accidentally injured a bystander would generally be covered by workers' compensation. This is because the bystander was not an employee and the injury did not occur to the employee themselves.

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  • 15. 

    WOTF EE injury claims would most likely not be covered under Hawaii's WC law?

    • 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

    Correct Answer
    A. An injury was intentionally self-inflicted by the EE
    Explanation
    Hawaii's workers' compensation law typically covers injuries that occur in the course of employment. However, intentionally self-inflicted injuries are generally not covered because they are considered to be outside the scope of normal work-related risks.

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  • 16. 

    Dependent children of a worker killed on the job will receive income benefits:

    • For 5 years following death

    • Until age 18 or longer if still in an accredited school

    • Until age 18

    • Until age 21

    Correct Answer
    A. Until age 18 or longer if still in an accredited school
    Explanation
    Dependent children of a worker killed on the job will receive income benefits until they reach the age of 18. However, if they are still attending an accredited school at the age of 18, they may continue to receive the benefits until they complete their education or reach a higher age. This ensures that the children have financial support during their formative years and while they pursue their education.

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  • 17. 

    An ER failing to provide WC coverage will be subject to a penalty of at least ___ for every day the failure continues.

    • $1,000

    • $500

    • $250 or up to $10 per EE

    • $200 or up $100 per EE

    Correct Answer
    A. $250 or up to $10 per EE
    Explanation
    If an ER fails to provide workers' compensation (WC) coverage, they will be subject to a penalty of at least $250 for every day the failure continues. Additionally, they may also face a penalty of up to $10 per employee affected by the lack of coverage.

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  • 18. 

    Making or publishing any oral or written statement or literature which is false, or maliciously critical of, or derogatory to the financial condition or any insurer, and which is calculated to injure any person engaged in the business of insurance is an illegal practice known as:

    • Rebating

    • Defamation

    • Coercion

    • Estoppel

    Correct Answer
    A. Defamation
    Explanation
    Defamation refers to the act of making false statements or publishing literature that is maliciously critical or derogatory towards the financial condition of an insurer, with the intention of causing harm to individuals involved in the insurance business. This practice is considered illegal as it can damage the reputation and credibility of insurers, leading to financial losses and a loss of trust in the industry.

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  • 19. 

    Would a claim under ER's liability insurance for an EE on business temporarily in France be covered?

    • 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

    Correct Answer
    A. Yes, since the EE was temporarily outside the coverage territory
    Explanation
    The correct answer is "Yes, since the EE was temporarily outside the coverage territory." This means that the liability insurance would cover a claim for an employee who is on business temporarily in France. Even though the employee is outside the coverage territory, the fact that it is a temporary situation allows for coverage under the insurance policy.

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  • 20. 

    An insurer has established a practice of settling Hawaii claims for lower amounts than reasonable person would feel the claimants are entitled to. What phrase below best describes this practice.

    • A competitive business practice

    • A fair and reasonable practice

    • An unfair claim settlement practice

    • A fraudulent business practice

    Correct Answer
    A. An unfair claim settlement practice
    Explanation
    The given correct answer, "An unfair claim settlement practice," best describes the insurer's practice of settling Hawaii claims for lower amounts than what a reasonable person would feel the claimants are entitled to. This phrase indicates that the practice is unjust and not in line with fair and reasonable standards. It implies that the insurer is engaging in unfair practices when it comes to settling claims, potentially causing harm to the claimants.

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  • 21. 

    Records pertaining to WC claims transactions must be retained for ____ following the date of the completion of the transaction.

    • Five years

    • Three years

    • Eight years

    • One year

    Correct Answer
    A. Eight years
    Explanation
    Records pertaining to WC claims transactions must be retained for eight years following the date of the completion of the transaction. This is necessary to ensure that all relevant information related to the transaction is available for future reference, audits, or legal purposes. By retaining these records for a longer period, organizations can comply with regulatory requirements, track historical data, and have access to documentation if any issues or disputes arise in the future.

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  • 22. 

    WOTF claims would fall under the WC law?

    • 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

    Correct Answer
    A. A disease which is proximately the result of employment
    Explanation
    A disease which is proximately the result of employment would fall under the workers' compensation law. This means that if an employee develops a disease due to their work environment or conditions, they would be eligible for workers' compensation benefits. Workers' compensation laws are designed to provide financial compensation and medical benefits to employees who suffer from work-related injuries or illnesses. Therefore, a disease that is directly caused by the nature of the job would be covered under these laws.

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  • 23. 

    All of the following circumstances would be covered under W/C, except?

    • 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

    Correct Answer
    A. The worker was injured while violating a company rule at lunch break
    Explanation
    The worker was injured while violating a company rule at lunch break would not be covered under Workers' Compensation (W/C) because the injury occurred while the worker was engaged in a violation of company rules. Workers' Compensation typically covers injuries that occur during the course of employment and are not the result of intentional misconduct or violations of company policies. Since the worker was injured while violating a company rule, it can be inferred that their actions were not in line with their employment responsibilities, and therefore, the injury would not be covered under W/C.

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  • 24. 

    If an industrial accident results in sudden death of the EE, which is true regarding WC benefits?

    • 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

    Correct Answer
    A. Certain benefits will be paid to the surviving spouse until death or remarriage
    Explanation
    In the event of an industrial accident resulting in the sudden death of an employee, certain benefits will be paid to the surviving spouse until their death or remarriage. This implies that the spouse will receive financial support for a period of time after the employee's death. The other options mentioned in the question, such as no benefits beyond funeral expenses, certain benefits for surviving children, and funeral expenses not being compensable, are not applicable in this scenario.

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  • 25. 

    In Hawaii, WOTF incidents would most likely not constitute a compensable W/C claim?

    • 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

    Correct Answer
    A. All of the above
    Explanation
    All of the above incidents would most likely not constitute a compensable workers' compensation claim in Hawaii. In the first scenario, the employee was injured while driving his own car home from work, which typically falls outside the scope of employment. In the second scenario, the employee was injured while under the influence of alcohol, which is considered a violation of workplace safety policies and may disqualify the claim. In the third scenario, the employee intentionally injured herself at work, which is generally not covered under workers' compensation as it is considered self-inflicted.

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  • 26. 

    A person who reviews or audits billings for medical services is:

    • An examiner appointed by the insurance commissioner

    • An independent bill reviewer

    • A public adjuster

    • None of the above

    Correct Answer
    A. An independent bill reviewer
    Explanation
    An independent bill reviewer is a person who reviews or audits billings for medical services. They are not appointed by the insurance commissioner or a public adjuster. They work independently to ensure that the billings are accurate and comply with the relevant regulations and guidelines.

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  • 27. 

    An EE is asked to operate a piece of machinery known to be in need of repair. The EE refuses and the ER insists that the EE operate the machine or face being laid off the job. The EE uses the machine and is severely injured and loses a limb. His wife sues the ER. What workers compensation coverage might protect the ER?

    • 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

    Correct Answer
    A. ER's liability coverage would respond
    Explanation
    In this scenario, the correct answer is "ER's liability coverage would respond." Liability coverage typically protects employers from claims made by employees who are injured on the job. In this case, the EE was injured while operating a piece of machinery that was known to be in need of repair. The EE's refusal to operate the machine was overridden by the ER, who insisted that they do so under the threat of being laid off. As a result, the EE suffered a severe injury and lost a limb. In this situation, the ER's liability coverage would likely respond to the lawsuit filed by the EE's wife, seeking compensation for the injuries sustained.

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  • 28. 

    When a  EE sustains an injury requiring medical treatment beyond first aid, the ER must make a report to the Department within:

    • 48 hours

    • 7 working days

    • 10 days

    • 14 days

    Correct Answer
    A. 7 working days
    Explanation
    The correct answer is 7 working days. This means that when an EE (employee) sustains an injury that requires medical treatment beyond first aid, the ER (employer) must report this to the Department within 7 working days. This timeframe allows for a reasonable amount of time for the ER to gather the necessary information and submit the report, ensuring that workplace injuries are properly documented and addressed in a timely manner.

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  • 29. 

    Failing to provide WC coverage in Hawaii can result in what immediate financial penalty?

    • $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

    Correct Answer
    A. $250, OR up to $10 per EE per day that coverage is not place
    Explanation
    Failing to provide workers' compensation (WC) coverage in Hawaii can result in a financial penalty of $250, or up to $10 per employee per day that coverage is not in place. This means that the penalty can be a fixed amount of $250 or can vary depending on the number of employees and the duration of non-compliance.

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  • 30. 

    ER's liability coverage under the workers compensation policy could cover the legal liability of an ER in which of the following situations?

    • Exempt employments

    • Illegal employment

    • Non-compensable injuries

    • All of the above

    Correct Answer
    A. All of the above
    Explanation
    The correct answer is "All of the above". ER's liability coverage under the workers compensation policy can cover the legal liability of an ER in situations involving exempt employments, illegal employment, and non-compensable injuries. This means that the policy provides coverage for any legal liabilities that may arise in these situations, ensuring that the ER is protected financially.

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  • 31. 

    WOTF best describes the reason for using various work classifications in the calculation of workers compensation premiums?

    • 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

    Correct Answer
    A. To accurately reflect the risks of each ER
    Explanation
    The reason for using various work classifications in the calculation of workers compensation premiums is to accurately reflect the risks of each employer. Different types of work carry different levels of risk, and by classifying employers based on the type of work they do, insurers can determine the appropriate premium that reflects the level of risk associated with that particular employer. This ensures that employers are paying a fair and accurate premium based on the specific risks they pose, rather than a one-size-fits-all approach.

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  • 32. 

    WOTF is true regarding the selection of a physician or surgeon in a compensable WC injury?

    • 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

    Correct Answer
    A. The injured EE may select any physician or surgeon practicing on the island where the injury occurred
    Explanation
    The correct answer is that the injured employee may select any physician or surgeon practicing on the island where the injury occurred. This means that the employee has the freedom to choose their own healthcare provider for their compensable workers' compensation injury. The employer does not have the authority to dictate which physician or surgeon the employee must see.

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  • 33. 

    Under Hawaii's W/C law, what amount, in addition to other prescribed benefits, could an EE receive when a work-related injury results in disfigurement?

    • $5,000

    • $10,000

    • $20,000

    • $30,000

    Correct Answer
    A. $30,000
    Explanation
    Under Hawaii's Workers' Compensation law, an employee could receive an additional amount of $30,000 in addition to other prescribed benefits when a work-related injury results in disfigurement.

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  • 34. 

    In Hawaii, failure by an insurer or self-insured ER to pay non-contested WC benefits w/in required timeframes may result in what penalty, if any?

    • 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

    Correct Answer
    A. An additional amount equal to 20% of the unpaid compensation
    Explanation
    Failure by an insurer or self-insured ER to pay non-contested WC benefits within the required timeframes in Hawaii may result in an additional penalty equal to 20% of the unpaid compensation. This penalty serves as a deterrent for insurers and employers to ensure timely payment of workers' compensation benefits.

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  • 35. 

    Secondary injury funds (also known as second or subsequent injury funds) are a part of most states' WC laws. WOTF most closely identifies their purpose?

    • 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

    Correct Answer
    A. The fund reimburses ER's who employ EE's w/ a pre-existing partial disability who suffer a 2nd injury
    Explanation
    The purpose of secondary injury funds is to reimburse employers who hire employees with pre-existing partial disabilities and suffer a second injury. These funds provide financial support to employers who may face increased costs due to the additional injuries sustained by their employees.

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  • 36. 

    WOTF employments is subject to the WC law?

    • 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

    Correct Answer
    A. A firm employing only one part-time worker
    Explanation
    The correct answer is "A firm employing only one part-time worker." This is because the workers' compensation (WC) law typically applies to employers who have a certain number of employees. In many jurisdictions, the number of employees required for WC coverage is more than one, so a firm employing only one part-time worker may not be subject to the WC law.

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  • 37. 

    WOTF is the most true regarding Hawaii WC benefits?

    • 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

    Correct Answer
    A. They are the sole remedy for work-related injuries
    Explanation
    The correct answer is "They are the sole remedy for work-related injuries." This means that Hawaii WC benefits are the only legal recourse for employees who sustain injuries or illnesses due to their work. It implies that employees cannot sue their employers for work-related injuries and must rely solely on the workers' compensation system for compensation and medical coverage.

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  • 38. 

    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?

    • 6 months

    • 1 year

    • 5 years

    • 8 years

    Correct Answer
    A. 8 years
    Explanation
    In Hawaii, an insurer or a self-insured ER must retain records of workers' compensation (W/C) claims for 8 years for the inspection of the insurance commissioner. This is important for ensuring compliance with regulations and allowing the insurance commissioner to effectively monitor and investigate claims. By retaining records for this length of time, the insurance commissioner can review past claims and identify any potential issues or patterns that may require further action.

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  • 39. 

    Part I of the W/C ER Liability Insurance Policy describes:

    • 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

    Correct Answer
    A. The insurer's duty to pay promptly, when due, the benefits required of the ER by the W/C statute
    Explanation
    Part I of the W/C ER Liability Insurance Policy describes the insurer's duty to pay the benefits required by the Workers' Compensation (W/C) statute. This means that the insurer is obligated to promptly provide the benefits that the employer is required to give to the injured worker under the W/C laws. The policy outlines the insurer's responsibility to ensure timely payment of these benefits, which may include medical expenses, lost wages, and rehabilitation costs.

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  • 40. 

    WOTF is true regarding W/C coverage in Hawaii?

    • 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

    Correct Answer
    A. It may be purchased from an authorized insurance carrier or it may be self-insured
    Explanation
    Workers' compensation (W/C) coverage in Hawaii can be obtained either from an authorized insurance carrier or through self-insurance. This means that employers have the option to purchase coverage from a licensed insurance company or choose to self-insure, which involves setting aside funds to cover their employees' workers' compensation claims. The answer states that W/C coverage can be purchased from an authorized insurance carrier or be self-insured, providing the correct information about the options available for obtaining coverage in Hawaii.

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  • 41. 

    WOTF is correct regarding the Foreign Coverage Endorsement?

    • 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

    Correct Answer
    A. All of the above
    Explanation
    The correct answer is "All of the above". This means that all of the statements mentioned in the options are correct regarding the Foreign Coverage Endorsement. The coverage applies to employees hired within the limits of the USA while they are traveling or temporarily residing outside the US, its territories or possessions, or Canada. Employees hired outside the limits of the US are not covered. Additionally, employees hired within the US can be covered abroad for 90 days or less.

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  • 42. 

    When a Hawaii EE sustains an injury requiring medical treatment beyond first aid, how long does the ER have to report the accident to the director of the labor and industry relations?

    • 48 hours

    • 3 business days

    • 7 working days

    • 10 working days

    Correct Answer
    A. 7 working days
    Explanation
    The ER has 7 working days to report the accident to the director of the labor and industry relations in Hawaii. This allows the ER enough time to gather all necessary information and documentation related to the injury before reporting it. It also ensures that the director is notified within a reasonable timeframe to take appropriate action if needed.

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  • 43. 

    In Hawaii, which party submits a closing report upon the termination of VR services?

    • The provider of the services

    • The ER

    • The EE

    • The director of labor and industry relations

    Correct Answer
    A. The provider of the services
    Explanation
    The correct answer is the provider of the services. In Hawaii, when VR services are terminated, it is the responsibility of the service provider to submit a closing report. This report summarizes the services provided and the outcomes achieved during the VR process. The provider is expected to document the progress made by the individual receiving services and any recommendations for future support or assistance. This report helps to ensure transparency and accountability in the VR system in Hawaii.

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  • 44. 

    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

    • I and II

    • I, II and III

    • I and III

    • II and III

    Correct Answer
    A. I, II and III
    Explanation
    In situations where the consultation is necessary due to a life-threatening or potentially harmful situation, all three statements are true. Statement I states that the attending physician will notify the emergency room (ER) as soon as possible, which is crucial in urgent cases. Statement II states that the consultant will provide a copy of the consultation report to the attending physician, which is important for proper communication and coordination of care. Statement III states that the copy of the consultation report must be given to the ER within 14 calendar days of the examination, ensuring that the necessary information is documented and available for future reference.

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  • 45. 

    WOTF types of policies will cover a contractor's EE for injuries sustained on the job?

    • WC

    • Owners and contractors protective liability

    • Commercial general liability

    • Premises and operations liability

    Correct Answer
    A. WC
    Explanation
    Workers' compensation (WC) policies will cover a contractor's employees for injuries sustained on the job. Workers' compensation insurance provides benefits to employees who are injured or become ill as a result of their work. It covers medical expenses, lost wages, rehabilitation, and other related costs. This type of policy is specifically designed to protect both the employer and the employee in case of work-related injuries or illnesses.

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  • 46. 

    If an injury results in the immediate death of an EE, the ER has ____ to notify the Department.

    • 24 hours

    • 48 hours

    • 7 working days

    • 10 days

    Correct Answer
    A. 48 hours
    Explanation
    If an injury results in the immediate death of an employee, the employer has 48 hours to notify the Department. This means that the employer must inform the relevant department within two days of the incident. This requirement ensures that the department can promptly investigate the incident and take any necessary actions.

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  • 47. 

    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?

    • 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

    Correct Answer
    A. Purchase coverage for the EE's from the state
    Explanation
    The insured must purchase coverage for the EE's from the state because the state is monopolistic for workers compensation coverage. This means that private insurance companies cannot provide workers compensation coverage in that state. Therefore, the insured must obtain coverage directly from the state in order to cover his EE's for workers compensation.

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  • 48. 

    Part II of the ER's Liability Coverage, provides WOTF W/C coverage?

    • Products

    • Contractual

    • Claims that not subject to W/C laws

    • Completed Operations

    Correct Answer
    A. Claims that not subject to W/C laws
    Explanation
    Part II of the ER's Liability Coverage provides coverage for claims that are not subject to Workers' Compensation (W/C) laws. This means that if an employee gets injured or becomes ill due to work-related reasons, they would typically file a claim under Workers' Compensation. However, if the claim falls outside the scope of Workers' Compensation laws, such as if the injury was caused by a third party or if it is a personal injury claim, Part II of the ER's Liability Coverage would provide coverage for such claims.

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  • 49. 

    The premium charged for a standard WC policy is based primarily on a company's:

    • Gross sales

    • Payroll

    • Federal Tax

    • EE population

    Correct Answer
    A. Payroll
    Explanation
    The premium charged for a standard WC policy is primarily based on a company's payroll. This is because workers' compensation insurance is designed to provide coverage for employees who are injured or become ill on the job. Payroll is a key factor in determining the level of risk and potential claims that a company may have. Companies with higher payroll figures generally have more employees and therefore a higher likelihood of workplace accidents or injuries, resulting in higher premiums to cover these potential claims.

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Quiz Review Timeline (Updated): Mar 20, 2023 +

Our quizzes are rigorously reviewed, monitored and continuously updated by our expert board to maintain accuracy, relevance, and timeliness.

  • Current Version
  • Mar 20, 2023
    Quiz Edited by
    ProProfs Editorial Team
  • Feb 18, 2016
    Quiz Created by
    Dkmags
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