What is the purpose of "other states' insurance" in the standard workers
compensation policy? - ANSWERS-To provide coverage for exposures which
develop in other states during the policy period
In Vermont workers compensation coverage, the average weekly is wage is
calculated: - ANSWERS-Based on past 12 months of wages
What does the Jones Act do? - ANSWERS-Allows members of crews to sue the
shipowner for injuries caused by the shipowner's negligence
,The insured carries a workers compensation policy which includes employer's
liability coverage. Which of the following is not covered by employer's liability
coverage?
A: Statutory benefits
B: Suits brought by injured employees, in case of employer's gross negligence
C: Suits brought by spouses or dependent of injured workers
Employers liability coverage under the standard workers compensation policy
form covers which of the following claims? - ANSWERS-Workplace injuries outside
the scope of workers compensation laws
Which of the following is not a common-law defense for an employer in a
workplace injury lawsuit?
A: Contributory negligence
B: Fellow-Servant
C: Proximate cause
D:Assumption of risk - ANSWERS-Proximate cause
In the loss investigation, an adjuster endeavors to determine which of the
following?
A: The parties involved
B: Witnesses to the accident
C: Deductibles that might apply
,D: All of the responses are correct - ANSWERS-All of the responses are correct
Adjusters must maintain their claim records for a period of at least how many
years? - ANSWERS-3 years
A workers compensation claim for an occupational disease must be made within
how long of the date the occupational disease is reasonably discoverable and
apparent. - ANSWERS-2 years
When the relationship between the worker and the employer is not continuous or
recurrent, it is considered to be: - ANSWERS-Casual
An injured employee has received medical and rehabilitation treatment. It
appears that additional treatment will not benefit the person. This is referred to
as: - ANSWERS-End medical result
An employer does not have any other states listed under section 3A- Other States
Clause - in his workers compensation policy. He has an employee injured in a
state other than his home state. How would coverage apply? - ANSWERS-There
would be no coverage
An adjuster, acting as a fiduciary agent, should do which of the following:
A: Not represent interests which are adverse to those of the principal
B: All of the responses are correct
, C: Not seek profit from an outside source as a consequence of actions for and
behalf of the principal
D: Act with a high degree of fidelity and loyalty to the interests of the principal. -
ANSWERS-All of the responses are correct
What coverage might a self-insured employer purchase to cover workers
compensation claims that exceeded their plan's pre-established limits? -
ANSWERS-Excess insurance
Which of the following would be considered in establishing a rate for an
employer's workers compensation premium?
A: Number of employees
B: Number of hours worked by the employees
C: Remuneration job description and payroll
D: Unemployed employees - ANSWERS-Remuneration job description and payroll
Every licensee must notify the commissioner of any change in his or her
residential or business address within how long of the change. - ANSWERS-30
days
Following an occurrence there is an unbroken chain of events that leads to a loss.
The occurrence is the: - ANSWERS-proximate cause
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