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2013 Workers' Compensation (116518) Exam Questions
1:
Identify one of the two purposes Workers’ Compensation serves:
A:
Assures that injured workers get medical care and compensation for lost time
B:
Usually protects employers from lawsuits by workers injured while working
C:
Either a or b
D:
Both a and b
2:
Where did Workers’ Compensation originate?
A:
France
B:
Italy
C:
Germany
D:
Spain
3:
What costs are covered by a Workers’ Compensation policy?
A:
Medical costs
B:
Hospital costs
C:
Lost wages
D:
Mileage to and from medical providers
E:
All of the above
4:
True or False: All workers’ injuries are compensable.
A:
True
B:
False
5:
True or False: An accident investigation can be included in a compensability investigation.
A:
True
B:
False
6:
True or False: The Loss Cost Factor (LCF) is a reflection of the carrier’s performance in the industry in the state.
A:
True
B:
False
7:
True or False: The Loss Cost Multiplier is developed by the Pennsylvania Compensation Rating Bureau (PCRB).
A:
True
B:
False
8:
Which of the following is a governing class?
A:
Carpentry
B:
Salesperson
C:
Clerical Employee
D:
All of the above
9:
True or False: Payroll is the exposure basis for most Workers’ Compensation classifications.
A:
True
B:
False
10:
All of the following are considered remuneration except:
A:
Wages/salaries
B:
Commissions
C:
Legal proceeds
D:
Bonuses
11:
All of the following are Major Employers Liability Exposures except:
A:
Claims in foreign courts
B:
Consequential bodily injury
C:
Dual capacity
D:
Elective laws
E:
None of the above
F:
All of the above
12:
True or False: Foreign Coverage extends coverage beyond the standard 8-hour workday to 24 hours.
A:
True
B:
False
13:
What two fundamental risk analysis tools does the insurance industry rely on?
A:
Probability and statistics
B:
Law of large numbers and law of number of insureds
C:
Pooling and law of large numbers
D:
Pooling and statistics
14:
True or False: The objective of an accident investigation program is prevention.
A:
True
B:
False
15:
All of the following are basic elements of Accident Investigation except:
A:
Identifying information
B:
Fraud and abuse detection
C:
Accident description
D:
Near miss
E:
Analysis of causes
16:
True or False: In spotting fraud and abuse, a person filing a claim has a prior history of filing claims.
A:
True
B:
False
17:
In developing an organization’s health and safety culture, the process includes all of the following except:
A:
Strengthening employment hiring practices
B:
Management of injury/illness in the workplace
C:
Creating a Health and Safety Organization for employees and customers
D:
Complying with Occupational Safety & Health Administration (OSHA) regulations
18:
Strengthening hiring practices consists of all of the following except:
A:
Job description and essential job function
B:
Pre-employment/post-offer screening (including interviews and background checks)
C:
A and B
D:
A or B
E:
None of the above
19:
True or False: Return-to-Work is a proactive approach, designed to help restore injured workers to their former lifestyle in the safest and most effective manner possible.
A:
True
B:
False
20:
True or False: Return-to-Work management is the simultaneous coordination of Human Resources, vocational rehabilitation and workers’ compensation claims in a caring and cost-effective manner according to the worker’s needs.
A:
True
B:
False
21:
All of the following are elements of an effective Return-to-Work program except:
A:
Develop policy statement
B:
Educate the providers
C:
Develop a company provider panel
D:
Develop a provider form
22:
All of the following are benefits of an effective Return-to-Work program except:
A:
Reduced staff turnover
B:
Improved morale and employee relations
C:
Improved accident experience
D:
Completions of tasks
E:
Increased non-recoverable expenses
23:
True or False: One of the objectives of Safety Inspection Hazard Identification is to define job safety analysis.
A:
True
B:
False
24:
True or False: Safety inspections examine procedures and policies and safety audits examine unsafe conditions.
A:
True
B:
False
25:
True or False: Accident investigation is an organized process using writing procedures that are applied at the discretion of the employer when an incident occurs.
A:
True
B:
False
26:
All of the following are characteristics of an Accident Investigation except:
A:
Determine direct causes
B:
Prevent similar occurrences
C:
Provide budget information
D:
Document facts
E:
Reinforce commitment to safety
27:
True or False: The Return-to-Work policy statement is a joint labor/management directive offering an introduction to the company’s Return-to-Work program.
A:
True
B:
False
28:
All of the following questions to be included during a Job Task Analysis except:
A:
Which activities are involved
B:
What are the physical functions required
C:
How frequently are they performed
D:
What was the injured person doing just before the accident occurred
29:
True or False: The Average Weekly Wage (AWW) is the amount of income the employee earned per week at the time of the workers’ compensations injury or work related illness.
A:
True
B:
False
30:
All of the following would be eligible for Lost Time Indemnity Benefits except:
A:
Temporary Total Disability
B:
Temporary Partial Disability
C:
Semi-Partial Disability
D:
Permanent Total Disability
31:
True or False: The most common indemnity benefit is Temporary Total Disability.
A:
True
B:
False
32:
True or False: A waiting period for indemnity benefits exists in most jurisdictions.
A:
True
B:
False
33:
True or False: The Average Weekly Wage (AWW) in most jurisdictions includes only the wage or salary.
A:
True
B:
False
34:
True or False: Most states have adopted a medical fee schedule to set limits on the amounts that can be paid to medical providers for the services they render.
A:
True
B:
False
35:
True or False: The date of medical services determines the medical fee schedule used.
A:
True
B:
False
36:
True or False: The medical fee schedules of all jurisdictions cover 100% of usual and customary services.
A:
True
B:
False
37:
Which carrier was not one of the top 3 insurers in Pennsylvania in 2008?
A:
State Workers Insurance Fund
B:
AID (now Chartis)
C:
Travelers
D:
Liberty Mutual
38:
What year did Pennsylvania establish its workers’ compensations law?
A:
1902
B:
1911
C:
1914
D:
1915
39:
True or False: If a heart attack at work is caused by a person’s condition rather than a work condition, the injured worker may not be entitled to workers’ compensation benefits.
A:
True
B:
False
40:
True or False: "Experience" is a term used to identify an insured’s payroll and loss activity for a given period.
A:
True
B:
False
41:
All of the following are included in incurred Losses except:
A:
Paid medical expenses
B:
Indemnity payments
C:
Agents’ commissions
D:
Expenses
E:
Reserves
42:
All of the following are other factors that affect premium except:
A:
Construction credit premium adjustment plan
B:
Certified safety committee
C:
Deductibles
D:
Schedule rating plan
E:
Loss cost factor
43:
True or False: The maximum rate of compensation under the USL&H Act is 200% of your average weekly wage.
A:
True
B:
False
44:
All of the following are Risk/Loss Control methods used to determine the effectiveness of Accident and Illness Prevention Services except:
A:
Incidence rate comparison
B:
Incurred losses
C:
Loss ratio comparison
D:
Experience modification factor
E:
Certified safety committee credit
45:
True or False: Pre-employment/post-offer screening can include interviews and background check.
A:
True
B:
False
46:
True or False: Identifying risks associated with musculoskeletal injuries is the initial step to ergonomics.
A:
True
B:
False
47:
Which of the following is not a Return-to-Work philosophy principle:
A:
Involve the workforce.
B:
Always treat an injured or ill worker with dignity, consideration and respect.
C:
Focus on person’s capabilities, not their disabilities.
D:
Enlist the assistance of the medical provider.
48:
True or False: The Pennsylvania Workers’ Compensation act gives employers the right to establish a list of designated health care providers.
A:
True
B:
False
49:
True or False: The employer must provide a clearly written notice to each employee advising them of the employer’s rights and duties.
A:
True
B:
False
50:
True or False: The notice must be signed by the employee at the time of hire, whenever changes are made in the list, and at the time of injury.
A:
True
B:
False