Deck 3: Workers’ Compensation

Question 1

The Workers' Compensation Act is founded on which of the following principles?

A)collective liability for employers
B)a system that allows for recourse to the courts
C)compensation based on organizational earnings
D)compensation based on who was at fault

Answer 1

collective liability for employers

Question 2

Helen worked in a fireworks factory for 25 years.After she took early retirement,her doctor told her that her long-standing health issues were due to lead poisoning from materials that are now banned.What factor will be given serious consideration in assessing her WCB claim?

A)how old and how sick she is
B)whether the employer told her of the risk
C)the latency period between exposure and illness
D)whether she is already getting a retirement pension

Answer 2

the latency period between exposure and illness

Question 3

What is the numeric basis on which workers' compensation rate group premiums are calculated and published?

A)dollars per $100 of insurable earnings
B)dollars per $1,000 of insurable earnings
C)dollars per 100 full-time employees
D)dollars per 1,000 full-time employees

Answer 3

dollars per $100 of insurable earnings

Question 4

In Canada,what is the most common basis for determining the amount of lost-time benefits?

A)75% of net earnings
B)90% of net earnings
C)75% of average earnings
D)90% of average earnings

Question 5

Which of the following is NOT an example of an experience rating program in Ontario?

A)New Experimental Experience Rating Program (NEER)
B)Workplace Safety Insurance Appeals Tribunal (ESIAT)
C)Merit Adjusted Premium (MAP) Plan for Small Business
D)CAD-7

Question 6

Which province in Canada has the highest workers' compensation premium?

A)Nova Scotia
B)Ontario
C)Newfoundland and Labrador
D)Alberta

Question 7

What is the first consideration in determining an employer's WCB premiums?

A)rate group
B)industry classification
C)number of employees
D)employer's safety record

Question 8

Which of the following reflects how workers' compensation boards view the social benefit of compensation?

A)Compensation gets reluctant workers back to work.
B)Compensation makes up for your pain and suffering.
C)Compensation is a cost that must be tightly managed.
D)Compensation helps you remain active in your community.

Question 9

What are the three types of WCB rehabilitation?

A)vocational, physical, and retraining
B)physical, retraining, and social
C)vocational, physical, and social
D)retraining, vocational, and social

Question 10

How are safety associations different from workers' compensation boards?

A)They are financially independent from the WCBs.
B)They develop their own regulations for OH&S.
C)They only provide industry-specific safety training.
D)They offer fee-based safety audits to their members.

Question 11

In general,after how many years of lower than annual injury costs might a Canadian employer receive a rebate on their annual assessment?

A)after two years
B)after three years
C)after four years
D)after five years

Question 12

Scenario 3-1: Workers in nursing homes regularly experience a number of physical and psychological health and safety issues. Incidents can involve twisting and/or lifting injuries, contact with viruses and bacteria, as well as stress-related illnesses from dealing with very sick and dying patients. At Restwell Manor there are 80 employees who work an average of 6 hours per day for 250 days a year. In the past year, the employer reported a total of 8 injuries for a total lost time of 50 days.
What is the common denominator in the equations that you would use to calculate the injury frequency and severity rates for Restwell Manor?

A)average hours worked
B)total hours worked
C)average time off work
D)total time off work

Question 13

The Workers' Compensation Board is responsible for making which of the following decisions?

A)whether the worker was negligent
B)how long the rehabilitation period will be
C)the class and rate group to which an employer belongs
D)what type of new occupation an injured worker should pursue

Question 14

After incurring a serious injury at the paper mill,Jim Larue went back to school and retrained as a pharmacy assistant.What type of workers' compensation income support might he receive in his new job to ensure his previous income is maintained?

A)none, he will just receive his new wage
B)a disability pension on top of his new wages
C)a rehabilitation benefit on top of his new wages
D)an earnings loss payment on top of his new wages

Question 15

Ivan lost an eye in an industrial accident,and is just starting a new job.How does the second injury provision work if he loses sight in the other eye?

A)The total disability cost is borne by his current employer.
B)The total disability cost is shared between his former and current employers.
C)The total disability cost is borne entirely by the Workers' Compensation Board.
D)The total disability cost is borne by all employers in his employer's industry rate group.

Question 16

Via Rail is Canada's passenger railway,whereas CN Rail is a freight/cargo railway.What WCB liability do these organizations face?

A)They both have individual liability for injuries/illnesses.
B)They both have collective liability-the same as all other organizations.
C)Via Rail has collective liability, whereas CN has individual liability.
D)Via Rail has individual liability, whereas CN has collective liability.

Question 17

According to collective liability,employers in a class or other rate group are liable for which of the following costs?

A)costs of net earnings
B)costs of both accidents and occupational diseases
C)costs of just accidents
D)costs of just occupational diseases

Question 18

What is the primary purpose of the WCB experience rating system?

A)to help workers identify safe versus unsafe workplaces
B)to penalize unsafe workplaces through higher premiums
C)to motivate employers to take a proactive approach to OH&S
D)to provide data to the Ministry of Labour for follow-up inspections

Question 19

When a worker is injured,which parties are needed to provide information in order to process a workers' compensation board (WCB)claim?

A)employer, employee, and coworker
B)employer and employee
C)employer, employee, and physician
D)employee only

Question 20

What is the cost of the penalty when an employer discourages an employee from filing a claim or punishes the worker for filing the claim?

A)$400
B)$40
C)$4000
D)$4

Question 21

Discuss the employer reporting requirements and documentation required for reporting all workplace injuries to the Workers' Compensation Board.

Question 22

An aging workforce is the main reason for increasing disability costs.

Question 23

The adjudication of stress claims is currently receiving a great deal of attention from all insurance parties.

Question 24

The WCB premium for a given organization is always the same as other organizations in the same industry classification.

Question 25

Employees cannot sue their employer in criminal court in addition to claiming workers' compensation.

Question 26

Employers are obligated to make a reasonable effort to return the worker to the same job that they had before their injury/illness.

Question 27

Scenario 3-1: Workers in nursing homes regularly experience a number of physical and psychological health and safety issues. Incidents can involve twisting and/or lifting injuries, contact with viruses and bacteria, as well as stress-related illnesses from dealing with very sick and dying patients. At Restwell Manor there are 80 employees who work an average of 6 hours per day for 250 days a year. In the past year, the employer reported a total of 8 injuries for a total lost time of 50 days.
Using a factor of 200,000,what was Restwell Manor's severity rate last year?

A)83.30
B)13.30
C)0.200
D)0.003

Question 28

Scenario 3-1: Workers in nursing homes regularly experience a number of physical and psychological health and safety issues. Incidents can involve twisting and/or lifting injuries, contact with viruses and bacteria, as well as stress-related illnesses from dealing with very sick and dying patients. At Restwell Manor there are 80 employees who work an average of 6 hours per day for 250 days a year. In the past year, the employer reported a total of 8 injuries for a total lost time of 50 days.
What type of loss is incurred by a Restwell Manor worker who has to switch to light-duty nursing due to a back injury that prevents him/her from bending over a patient's bed?

A)occupational capacity
B)range of motion loss
C)functional capacity
D)occupational injury

Question 29

Explain why a large restaurant chain (e.g.McDonald's,Mandarin,Boston Pizza)might pay?a)the same WCB premium as other large restaurant chains.?b)a lower premium than other large restaurant chains.?c)a higher premium than other large restaurant chains.

Question 30

Workers who experience work-related illnesses may still receive Workers' Compensation,even if their company has gone out of business by the time their illness is diagnosed and assessed.

Question 31

Providing services intended to prevent injuries or to reduce the psychological impact of injuries when they occur is one of the social goals of workers' compensation.

Question 32

List and define the three types of rehabilitation,and give an example of how each might apply to a worker who loses their legs in a work-related motor vehicle incident.

Question 33

WCB experience ratings are designed to ensure workers are compensated fairly.

Question 34

Workers' compensation is a form of insurance that is governed by an act of parliament for the purpose of helping workers who are injured on the job return to work.

Question 35

List the three groups of stress-related occupational disabilities identified in the text.Discuss the probability of obtaining compensation in each case,then contrast the current practice of workers' compensation boards with how the courts and human rights tribunals in Canada view stress-related occupational disabilities.

Question 36

Scenario 3-1: Workers in nursing homes regularly experience a number of physical and psychological health and safety issues. Incidents can involve twisting and/or lifting injuries, contact with viruses and bacteria, as well as stress-related illnesses from dealing with very sick and dying patients. At Restwell Manor there are 80 employees who work an average of 6 hours per day for 250 days a year. In the past year, the employer reported a total of 8 injuries for a total lost time of 50 days.
What would workers' compensation be most likely to pay for if a Restwell Manor worker is physically attacked by a patient and suffers post-traumatic stress disorder?

A)none
B)counselling
C)disability pension
D)retraining

Question 37

Assisting a disabled person with household chores is an example of a social rehabilitation.

Question 38

Scenario 3-1: Workers in nursing homes regularly experience a number of physical and psychological health and safety issues. Incidents can involve twisting and/or lifting injuries, contact with viruses and bacteria, as well as stress-related illnesses from dealing with very sick and dying patients. At Restwell Manor there are 80 employees who work an average of 6 hours per day for 250 days a year. In the past year, the employer reported a total of 8 injuries for a total lost time of 50 days.
What type of rehabilitation might have been provided to enable an injured worker to make the change from heavy-duty to light-duty nursing?

A)vocational and social
B)vocational and physical
C)physical and social
D)vocational, physical, and social

Question 39

Scenario 3-1: Workers in nursing homes regularly experience a number of physical and psychological health and safety issues. Incidents can involve twisting and/or lifting injuries, contact with viruses and bacteria, as well as stress-related illnesses from dealing with very sick and dying patients. At Restwell Manor there are 80 employees who work an average of 6 hours per day for 250 days a year. In the past year, the employer reported a total of 8 injuries for a total lost time of 50 days.
What assistance would workers' compensation be most likely to pay for if a Restwell Manor worker develops chronic depression after working with Alzheimer/dementia patients for three years?

A)none
B)anti-depression medication
C)professional counselling
D)leave of absence

Question 40

Describe the current roles and responsibilities of a typical provincial/territorial workers' compensation board.Then extend the discussion by giving two examples of how provincial/territorial boards can differ from each other in terms of policy and/or practice.

Question 41

Duane is a long-haul truck driver who specializes in transporting oversize loads across Canada and the U.S.A.for his Markham,Ontario-based company.The nature of his work requires: long hours due to specialized loading,driving,and delivery procedures; driving at a slower than normal speed,often at night to avoid peak traffic; taking longer routes to avoid obstacles such as low height or low weight bridges,and crossing the Canada-USA border.Truckers in this occupation are often under tight deadlines to deliver on time,or their employer will face financial penalties.
a)Identify three possible work-related injuries and illnesses/diseases that might result from working in this occupation and discuss the workers' compensation coverage that would apply in each case.
b)Discuss how his employer would obtain the necessary information to complete the employer and incident analysis reports.
c)Compare and contrast the Canadian compensation system with the compensation available to an American-based trucker doing similar work.