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.
6 months
1 year
5 years
8 years
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
7 working days
10 days
14 days
21 days
$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
The provider of the services
The ER
The EE
The director of labor and industry relations
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
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
I and II
I, II and III
I and III
II and III
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
I and III only
II and III only
I, II and III
I and II only
The EE or his dependents may recover damages from the liable party
The ER, having already paid for compensation for the injury, shall have the right to recover damages from the liable party
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
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
The ER
The EE
The insurance company
The State of Hawaii
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
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
7 days
5 days
3 days
There is no waiting period
Up to 3 times the maximum week benefit rate
Up to 10 times the maximum week benefit rate
$5,000 maximum
No benefits are provided for funeral expenses
Products
Contractual
Claims that not subject to W/C laws
Completed Operations
When the EE informs the insurer
On the day the insurer receives notice of the claim by certified mail
When the ER informs the insurer
When the ER has notice of the claim
Loss rating
Scheduled rating
Experience modification rating
Loss adjustment rating
1 year
2 years
3 years
5 years
One who works aboard an ocean liner out at sea
One who loads ships at the dock
One who works for a shoreline restoration firm
A truck driver hauling a load from a ship
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
Up to 6 months
Up to 1 year
Up to 5 years
As long as is reasonably required
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
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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Here's an interesting quiz for you.