Question 1

In the event that a worker and insurance company decide to engage a different designated doctor than the one named by the state WC Department, they must agree to select the new doctor within:
A)5 business days of the date of the state's notice.
B)1 week of the date of the state's notice.
C)10 days of the date of the state's notice.
D)30 days of the date of the state's notice.

Accepted Answer

The answer of In the event that a worker and...

Question 2

Ombudsmen can provide all of the following services EXCEPT:
A)legal advice to the injured worker.
B)information to assist the injured worker in making decisions.
C)a presentation of facts and evidence at dispute-resolution proceedings.
D)information about how to appeal a dispute-resolution decision.

Accepted Answer

Ombudsmen do not provide legal advice as they are not licensed attorneys.

Question 3

All of the following are types of income benefits EXCEPT:
A)temporary income benefits.
B)supplemental income benefits.
C)surviving dependents' income benefits.
D)lifetime income benefits.

Accepted Answer

The answer of All of the following are types of...

Question 4

The permanent physical damage to a worker's body from a work-related injury or illness is known as:
A)disease.
B)disability.
C)handicap.
D)impairment.

Accepted Answer

Impairment refers to the permanent physical damage to a worker's body that can result from a work-related injury or illness, affecting their physical capabilities or functions.

Question 5

An injured worker is entitled to lifetime income benefits for all of the following conditions EXCEPT:
A)loss of one foot at or above the ankle.
B)total and permanent loss of sight in both eyes.
C)a physically traumatic injury to the brain resulting in incurable insanity.
D)third-degree burns covering the majority of either both hands or one hand and the face.

Accepted Answer

Lifetime income benefits typically cover severe and permanent injuries that significantly impact an individual's ability to work. While total and permanent loss of sight in both eyes (B), a physically traumatic injury to the brain resulting in incurable insanity (C), and third-degree burns covering the majority of either both hands or one hand and the face (D) are conditions that could qualify for lifetime benefits due to their severity and impact on employment capabilities, the loss of one foot at or above the ankle (A) does not usually qualify for lifetime income benefits as it is considered less debilitating in comparison to the other conditions listed.

Question 6

The four types of workers' compensation benefits are:
A)medical, disability, health, and death.
B)medical, income, disability, and death.
C)medical, income, death, and burial.
D)disability, suffering, death, and burial.

Accepted Answer

The answer of The four types of workers' compensation benefits...

Question 7

Medical benefits for an injured worker begin:
A)immediately and end 1 year after the date of the injury.
B)immediately and have no specific time limit.
C)after a 3-day waiting period and end 1 year after the date of the injury.
D)after a 3-day waiting period and have no specific time limit.

Accepted Answer

Medical benefits for an injured worker typically begin immediately and have no specific time limit, as the primary goal is to ensure the worker receives the necessary medical care to recover from the injury, without the pressure of a cut-off date.

Question 8

Maximum medical improvement is the earliest point in time that a worker's injury or illness has improved as much as it is likely to improve or:
A)52 weeks from the date the worker became eligible to receive income benefits.
B)60 weeks from the date the worker became eligible to receive income benefits.
C)90 weeks from the date the worker became eligible to receive income benefits.
D)104 weeks from the date the worker became eligible to receive income benefits.

Accepted Answer

The answer of Maximum medical improvement is the earliest point...

Question 9

Dependent children of a worker killed on the job are eligible to receive death benefits until they:
A)obtain a full-time job.
B)reach age 18.
C)reach age 18, or 25 if enrolled as a full-time college student.
D)reach age 21.

Accepted Answer

The answer of Dependent children of a worker killed on...

Question 10

An impartial physician who helps to resolve a workers' compensation claim dispute is known as the:
A)treating doctor.
B)designated doctor.
C)physician of record.
D)primary care physician.

Accepted Answer

A designated doctor is an impartial physician appointed by the state to evaluate and resolve disputes in workers' compensation claims. A treating doctor is the physician who is currently providing medical treatment to the injured worker, while a physician of record is the doctor listed on the injured worker's workers' compensation claim. A primary care physician is a doctor who provides general medical care to patients.

Question 11

If an individual has both an employer-sponsored disability plan and a government-sponsored plan:
A)the government plan is primary, and the employer plan would supplement the benefits.
B)the employer plan is primary, and the government plan would supplement the benefits.
C)only the employer plan would pay benefits.
D)only the government plan would pay benefits.

Accepted Answer

The answer of If an individual has both an employer-sponsored...

Question 12

Social Security Disability Insurance (SSDI) is paid for by:
A)workers' payroll deductions matched by employer contributions.
B)income taxes paid by individuals.
C)taxes paid by corporations.
D)individuals who purchase SSDI policies.

Accepted Answer

SSDI is funded through a combination of workers' payroll deductions and matching employer contributions. Individuals who work and earn a certain amount of income are required to pay a percentage of their earnings into the Social Security trust fund, which is used to fund SSDI, among other programs. Employers are also required to match these contributions, with the total contribution rate set by law.

Question 13

To be eligible to receive temporary income benefits, an injured worker must have lost some or all income for more than:
A)3 days.
B)7 days.
C)2 weeks.
D)30 days.

Accepted Answer

The answer of To be eligible to receive temporary income...

Question 14

The spouse of a worker killed on the job is eligible for death benefits:
A)for life regardless of whether or not the spouse remarries.
B)until the spouse remarries.
C)until the spouse remarries plus a lump sum payment of 1 year.
D)until the spouse remarries plus a lump sum payment of 2 years.

Accepted Answer

The answer of The spouse of a worker killed on...

Question 15

An individual who becomes disabled due to a non-work-related injury may be eligible for which type of benefits paid by a private plan or government program?
A)Medical and income benefits
B)Medical benefits
C)Income benefits
D)Income and death benefits

Accepted Answer

The answer of An individual who becomes disabled due to...

Question 16

If an injured worker has an impairment rating of 8%, the worker would receive impairment income benefits for:
A)8 weeks.
B)16 weeks.
C)24 weeks.
D)52 weeks.

Accepted Answer

The answer of If an injured worker has an impairment...

Question 17

Supplemental income benefits are paid for a maximum of:
A)52 weeks.
B)104 weeks.
C)208 weeks.
D)401 weeks.

Accepted Answer

The answer of Supplemental income benefits are paid for a...

Question 18

After the designated doctor has examined the worker, all communication with him or her about the worker's injury or condition must be made through the:
A)injured worker.
B)employer.
C)workers' compensation office handling the claim.
D)treating doctor.

Accepted Answer

All communication should go through the workers' compensation office handling the claim to ensure proper documentation and compliance with legal requirements.

Question 19

The report that affirms that a worker has been released from medical treatment and is fit to return to work and resume normal job responsibilities is the:
A)interim report.
B)status report.
C)final report.
D)rehabilitation report.

Accepted Answer

The final report affirms that a worker has been released from medical treatment and is fit to return to work and resume normal job responsibilities. The interim report is a progress report that provides updates on the worker's condition during their treatment. The status report provides general information about the worker's condition but does not necessarily confirm their ability to return to work. The rehabilitation report may provide information on the worker's rehabilitation process, but it may not necessarily confirm their release from medical treatment and fitness to return to work.

Question 20

The injured worker or the insurance company must dispute an impairment rating or maximum medical improvement date within:
A)30 days from the date of notice.
B)45 days from the date of notice.
C)90 days from the date of notice.
D)120 days from the date of notice.

Accepted Answer

The answer of The injured worker or the insurance company...

Quiz 18: Workers Compensation

All of the following are types of income benefits EXCEPT: A)temporary income benefits. B)supplemental income benefits. C)surviving dependents' income benefits. D)lifetime income benefits.

The permanent physical damage to a worker's body from a work-related injury or illness is known as: A)disease. B)disability. C)handicap. D)impairment.

The four types of workers' compensation benefits are: A)medical, disability, health, and death. B)medical, income, disability, and death. C)medical, income, death, and burial. D)disability, suffering, death, and burial.

Medical benefits for an injured worker begin: A)immediately and end 1 year after the date of the injury. B)immediately and have no specific time limit. C)after a 3-day waiting period and end 1 year after the date of the injury. D)after a 3-day waiting period and have no specific time limit.

Dependent children of a worker killed on the job are eligible to receive death benefits until they: A)obtain a full-time job. B)reach age 18. C)reach age 18, or 25 if enrolled as a full-time college student. D)reach age 21.

An impartial physician who helps to resolve a workers' compensation claim dispute is known as the: A)treating doctor. B)designated doctor. C)physician of record. D)primary care physician.

Social Security Disability Insurance (SSDI) is paid for by: A)workers' payroll deductions matched by employer contributions. B)income taxes paid by individuals. C)taxes paid by corporations. D)individuals who purchase SSDI policies.

To be eligible to receive temporary income benefits, an injured worker must have lost some or all income for more than: A)3 days. B)7 days. C)2 weeks. D)30 days.

The spouse of a worker killed on the job is eligible for death benefits: A)for life regardless of whether or not the spouse remarries. B)until the spouse remarries. C)until the spouse remarries plus a lump sum payment of 1 year. D)until the spouse remarries plus a lump sum payment of 2 years.

An individual who becomes disabled due to a non-work-related injury may be eligible for which type of benefits paid by a private plan or government program? A)Medical and income benefits B)Medical benefits C)Income benefits D)Income and death benefits

If an injured worker has an impairment rating of 8%, the worker would receive impairment income benefits for: A)8 weeks. B)16 weeks. C)24 weeks. D)52 weeks.

Supplemental income benefits are paid for a maximum of: A)52 weeks. B)104 weeks. C)208 weeks. D)401 weeks.

After the designated doctor has examined the worker, all communication with him or her about the worker's injury or condition must be made through the: A)injured worker. B)employer. C)workers' compensation office handling the claim. D)treating doctor.

The report that affirms that a worker has been released from medical treatment and is fit to return to work and resume normal job responsibilities is the: A)interim report. B)status report. C)final report. D)rehabilitation report.

The injured worker or the insurance company must dispute an impairment rating or maximum medical improvement date within: A)30 days from the date of notice. B)45 days from the date of notice. C)90 days from the date of notice. D)120 days from the date of notice.