Worker's Compensation Insurance Flashcards
Prior to ____ workers had to sue their employers and prove the employer was negligent to recover damages due to job injuries.
Worker Compensation Laws
___ if an employee was in any way negligent and even partially caused the occurrence, he/she could not hold the employer or anyone else responsible.
Contributory Negligence
___ if the employee knew the job was risky before he accepted the job, then he has assumed the risk and the employer was not liable.
Assumption of Risk
___ if the injury was caused by a fellow employee, it was not negligence of the employer.
Fellow Servant Rule
___ an employer’s liability law that predates Worker’s Compensation and makes an interstate railroad liable for bodily injury sustained by employees.
Federal Employers Liability Act (FELA)
___ covers persons who are engaged in maritime employment.
US Longshore & Harbor Worker’s Compensation Act
___ a worker is covered only if employee’s injury occur on navigable waters or on an adjoining wharf, pier, dock, or similar facility used in the loading, unloading, building or repairing of a vessel.
US Longshore & Harbor Worker’s Compensation Act
___ covers ships’ crews with the same remedy available to the railroad workers.
Jones Act
Under ___ Seamen may sue the employer for injuries sustained through the fault or negligence of the employer.
Jones Act
___ employees are barred from seeking damages outside the Workers Compensation law.
Exclusive Remedy Doctrine
___ designed for these situations including exempt employments, the illegal employments, and non-compensable injuries.
Employers Liability
___ is intended to be the exclusive remedy for work related injuries without any consideration of fault or negligence on the part of either the employee or the employer.
Worker’s Compensation Insurance
___ conditions characteristic of and particular to a certain trade or occupation in which the employee is exposed must have caused the disease.
Occupational Disease
___ employees who are unable to work because of a work related injury are entitled to a portion of their lost income.
Disability Income
___ a person is totally unable to work for a temporary amount of time.
Temporary Total Disability
___ an individual is totally unable to work ever again.
Permanent Total Disability
___ refers to a person’s ability to do some work or the need to do alternative work, but recovery is expected.
Temporary Partial Disability
___ refers to disabilities such as the loss of a limb, hearing, or sight.
Permanent Partial Disability
___ rating is developed by applying a rating bureau job classification rate to each $100 of payroll to reflect the risk of the type of job.
Job Classification – Payroll Rates
What is the basic limit for Part II: Employer’s Liability?
$100K BI per accident
$100K per employee for disease
$500K policy limit for disease
In what states are medical payments unlimited?
All States
___ clause states that losses will be paid on a contribution by equal shares basis.
Other Insurance
___ are determined based on the payroll of each occupational classification
Premium
What Endorsement are farm workers covered?
Voluntary Compensation Endorsement
