Worker's Compensation Insurance

Question 1

Prior to ____ workers had to sue their employers and prove the employer was negligent to recover damages due to job injuries.

Answer 1

Worker Compensation Laws

Question 2

___ 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.

Answer 2

Contributory Negligence

Question 3

___ 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.

Answer 3

Assumption of Risk

Question 4

___ if the injury was caused by a fellow employee, it was not negligence of the employer.

Answer 4

Fellow Servant Rule

Question 5

___ an employer’s liability law that predates Worker’s Compensation and makes an interstate railroad liable for bodily injury sustained by employees.

Answer 5

Federal Employers Liability Act (FELA)

Question 6

___ covers persons who are engaged in maritime employment.

Answer 6

US Longshore & Harbor Worker’s Compensation Act

Question 7

___ 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.

Answer 7

US Longshore & Harbor Worker’s Compensation Act

Question 8

___ covers ships’ crews with the same remedy available to the railroad workers.

Answer 8

Jones Act

Question 9

Under ___ Seamen may sue the employer for injuries sustained through the fault or negligence of the employer.

Answer 9

Jones Act

Question 10

___ employees are barred from seeking damages outside the Workers Compensation law.

Answer 10

Exclusive Remedy Doctrine

Question 11

___ designed for these situations including exempt employments, the illegal employments, and non-compensable injuries.

Answer 11

Employers Liability

Question 12

___ 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.

Answer 12

Worker’s Compensation Insurance

Question 13

___ conditions characteristic of and particular to a certain trade or occupation in which the employee is exposed must have caused the disease.

Answer 13

Occupational Disease

Question 14

___ employees who are unable to work because of a work related injury are entitled to a portion of their lost income.

Answer 14

Disability Income

Question 15

___ a person is totally unable to work for a temporary amount of time.

Answer 15

Temporary Total Disability

Question 16

___ an individual is totally unable to work ever again.

Answer 16

Permanent Total Disability

Question 17

___ refers to a person’s ability to do some work or the need to do alternative work, but recovery is expected.

Answer 17

Temporary Partial Disability

Question 18

___ refers to disabilities such as the loss of a limb, hearing, or sight.

Answer 18

Permanent Partial Disability

Question 19

___ 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.

Answer 19

Job Classification – Payroll Rates

Question 20

What is the basic limit for Part II: Employer’s Liability?

Answer 20

$100K BI per accident
$100K per employee for disease
$500K policy limit for disease

Question 21

In what states are medical payments unlimited?

Answer 21

All States

Question 22

___ clause states that losses will be paid on a contribution by equal shares basis.

Answer 22

Other Insurance

Question 23

___ are determined based on the payroll of each occupational classification

Answer 23

Premium

Question 24

What Endorsement are farm workers covered?

Answer 24

Voluntary Compensation Endorsement

Question 25

What must a self insurer do in order to have worker’s compensation coverage?

Answer 25

Apply for a Certification of Authority