Deck 6: Workers Compensation

Question 1

When the employer is classified by type, which one of the following methods is used to determine the premium rate?

A) Schedule rating
B) Experience rating
C) Manual rating
D) Retrospective rating

Answer 1

B

Question 2

The following are all approaches used to settle a workers' compensation claim except:

A) Direct settlement
B) Union arbitration
C) Public hearing
D) Agreement settlement

Answer 2

B

Question 3

A person who accepts a service contract to perform a specific task is considered an employee of the company.

Answer 3

False

Question 4

There are no serious problems with workers' compensation in the United States.

Question 5

All employees are covered under the workers' compensation laws except which one of the following?

A) Industry employees
B) Government employees
C) Agricultural employees
D) Service employees

Question 6

Today, all fifty states, the District of Columbia, Guam, and Puerto Rico have workers' compensation laws.

Question 7

All workers are covered under the workers' compensation laws.

Question 8

Permanent partial disability is the condition that exists when an injured employee is not expected to recover fully.

Question 9

Which of the following statements are problems with workers' compensation?

A) Lost income not adequately replaced
B) Number of accidents not decreased
C) Effectiveness of cost allocation
D) All of the above

Question 10

Workers' compensation was developed to allow injured employees to be compensated without the need for litigation.

Question 11

Insurance rates are affected by all the factors listed below except which of the following?

A) Profit/loss of the company
B) Types of work performed
C) Potential future losses
D) Number of employees

Question 12

Workers' compensation laws are uniform from state to state.

Question 13

If employers go out of business, they are not liable to injured employees.

Question 14

Workers may not bypass the workers' compensation system and sue even if the employer has been reckless.

Question 15

Temporary disability is the state that exists when it is probable that an injured employee will be able to resume employment.

Question 16

Workers' compensation applies when an injury can be categorized as arising out of employment or occurring in the course of employment.