Deck 3: Workers Compensation

Question 1

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 cost of being total visual disability 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.

Answer 1

The total disability cost is borne entirely by the Workers' Compensation Board.

Question 2

What is meant by a presumptive provision?

A) presumption that the worker was at fault
B) presumption that the employer was at fault
C) presumption that an injury/illness is work related
D) presumption that the worker will be able to return to work

Answer 2

presumption that an injury/illness is work related

Question 3

Employees can sue their employer in criminal court in addition to claiming Worker's
Compensation.

Answer 3

False

Question 4

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

Question 5

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

Question 6

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 7

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 8

When does the employer report have to be submitted to the Workers' Compensation Board?

A) immediately after any incident
B) within 24 hours after an incident
C) depends on the province/territory and nature of incident
D) once the nature of the time loss and treatment has been determined

Question 9

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 10

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 11

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

Question 12

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 13

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 14

What is an emerging trend that works against cost control when it comes to medical treatment of injured workers?

A) Stress-related illness increases time off work
B) Physician's fees are rising in all provinces and territories.
C) New treatments are experimental and may not work the first time.
D) Injured workers can become addicted to prescription medications.

Question 15

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 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

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

Question 18

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 19

What document is used to help calculate the employer's injury frequency and severity rates?

A) incident analysis report
B) employee's WC claim form
C) employer's WC claim form
D) experience rating report

Question 20

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 for to which an employer belongs
D) what type of new occupation an injured worker should pursue

Question 21

The WCB premium for a given organization can be higher or lower or the same as other organizations in the same industry classification.

Question 22

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

Question 23

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 24

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

Question 25

A trained service animal that can fetch and carry items for a disabled person is an example of a social rehabilitation.

Question 26

A 55-year-old injured worker who is the sole caregiver of elderly parents will receive less compensation than an injured 25-year-old worker with a baby.

Question 27

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