Chapter 18: Workers Compensation

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Compensation Quizzes & Trivia

Only used by FSS team for INS exam.


Questions and Answers
  • 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.

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  • 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 income
    Explanation
    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.

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  • 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 law
    Explanation
    B is correct. Every state has some exempt classifications, but the majority of the nation's employees are covered under workers compensation laws.

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  • 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 Four
    Explanation
    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.

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  • 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 Two
    Explanation
    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.

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  • 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 year
    Explanation
    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.

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  • Current Version
  • Mar 22, 2023
    Quiz Edited by
    ProProfs Editorial Team
  • Feb 24, 2009
    Quiz Created by
    Fsspc
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