Worker's Compensation Flashcards
Employer who deducts Worker’s Comp. cost from the employees payroll can be charged with
Third-degree felony
And employee is injured on the job while intoxicated what are the benefits received by Worker’s Compensation?
No benefits received
Worker’s Compensation disability benefits are subject to:
A waiting period And the retroactive period
An employer with one employee purchases Worker’s Compensation insurance, and the employee is injured in the course of employment. The employees Worker’s Comp benefits are
Mandatory under the provision of law
Expenses under Worker’s Compensation are subject to the following limitations:
No dollar limit/no time limit
Basic limit of part one of Worker’s Compensation insurance is
There is no limit
Under workers comp, how is compensation calculated for permanent total disability?
66 2/3% times average weekly wage
Under Worker’s Compensation, temporary total benefits are paid for:
104 weeks
Upon death of a worker, Worker’s Compensation pays a maximum definite that payment of $150,000 plus:
Funeral expenses up to $7500
Construction industry employers must provide workers compensation if they have how many employees:
One
Tom’s roofing has an employee injury himself in the fall. At the time of the injury employees test for blood alcohol content. Results of the blood test shows legal intoxication. This injury is:
Excluded under workers comp
Mark, employee of friends construction company, suffers a severe head injury on the job. He was in a hardhat area but willfully refused to wear his hardhat. This injury is:
Covered subject to 25% reduction in benefits
_Under workers comp one who willfully makes false statements to obtain benefits is guilty of a:
2nd° felony
The statewide average weekly wage is used in Worker’s Comp. to:
Set the maximum benefit
The waiting periods and retroactive periods For Worker’s Compensation disability benefits are:
Seven days/21 days
What coverage is not afforded by part two of the workers comp policy?
Claims that the employee was wrongfully fired
Under workers comp, just benefits are payable of death results:
Within five years of an accident, is continuous disability exists
The limits of liability and part two of the workers comp policy for bodily injury by disease are:
100/500. There’s also a limit of 100,000 per claim for bodily injury from the accident
All of the categories of benefits under the workers comp law are:
Payment of medical expenses, compensation for disability, death benefits
Work done and not over 10 days; labor cost under $500; work not in course of employers normal business defines:
Casual Labor
How may corporate officer is exempt themselves as employees of the corporation?
By filing notice of intent to do so with the division of Worker’s Compensation
How many soul proprietors and partners may be included as employees in the business under Worker’s Compensation
By filing notice with the division of Worker’s Compensation
Under workers comp, permanent impairment benefits cover for:
Three weeks for each percentage of impairment
How long after a workers comp policy expires May the insurance company audit the insurance records?
Three years
Worker’s Compensation is regulated in Florida by what governmental division?
Division of Worker’s Compensation under the Department of financial services
How’s the labor as it applies to Worker’s Compensation is how much and what length of time?
$500.10 days
What types of workers are not considered to be employees under Worker’s Compensation?
Independent contractors, casual labor, unpaid volunteer as a nonprofit agencies
Mark Burns works for Mr. auto repair shop. In the course of putting air in it a tire blows up and Mark permanently losing his eyesight in both eyes. Mark might be compensated by:
Mr. autos workers comp, see the tire manufacture, Sue the air gauge company
Suncoast company has Worker’s Comp. with Florida is the only state listed in item 3A of the information page. Suncoast Simpson employed to North Carolina for a month to work on a project. If the employee is injured in North Carolina, he will be entitled to:
Florida benefits
Sunstate in the ducks Worker’s Comp. premium cost from each employees wages. This allowed if:
This is never allowed.
Jim Jones is injured in the course of employment. He signed a written agreement with his employer to waive his rights to compensation before he was hired. What Florida’s Worker’s Compensation provision would be of interest to him?
The provision that says that any waiver of Worker’s Comp. is invalid
Cancellation under workers comp requires which:
Early days notice during first 90 day policy in force 45 days notice thereafter
Under workers comp, how many benefits for temporary partial disability compensated?
Weight-loss formula up to 104 weeks
Under workers comp part three other statutes coverage is designed to provide coverage for.:
States where the insured begins operations after the workers comp policy is written
How are permanent impairment benefits compensated?
75% of temporary total. For two weeks for impairment up to 10%, three weeks 11 to 15%, four weeks 16 to 20%, six weeks 21% and up
Under FWCJUA
It is the state created market for employers unable to get coverage elsewhere, at least two carriers must decline to cover employer, standard policy provisions and rules apply.
Renewal notices for policy is issued through the Florida workers compensation joint underwriting Association go out 45 days prior to expiration. How many days grace period is provided to prevent the policy from having to be rewritten?
None. Policy expires the premium is not paid by expiration
Well statements made to obtain workers comp benefits may result in which maximum penalty
2nd° felony
