Workers Compensation and Disability Insurance Flashcards
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Read the first 6 Workers Compensation and Disability Insurance flashcards as text
Which federal law requires employers with 50 or more employees to offer continuation of group health benefits after certain qualifying events?
Answer: COBRA
COBRA (Consolidated Omnibus Budget Reconciliation Act) allows employees and their dependents to continue group health coverage for up to 18–36 months after qualifying events such as job loss.
Under workers compensation, 'vocational rehabilitation' benefits are designed to:
Answer: Retrain injured workers for new occupations if they cannot return to their previous job
Vocational rehabilitation benefits provide job retraining, education, or placement assistance to injured workers who cannot return to their former occupation.
Which workers compensation classification describes an injury that results in the employee's death?
Answer: Fatal injury benefit
Fatal injury (death) benefits under workers compensation provide compensation to the worker's surviving dependents, typically including burial expenses and weekly income payments.
A 'second injury fund' under workers compensation is designed to:
Answer: Encourage employers to hire workers with pre-existing disabilities by limiting additional liability
Second injury funds protect employers from bearing the full cost of a combined disability when a pre-existing condition and a new work injury together cause greater total disability.
Social Security Disability Insurance (SSDI) defines total disability as the inability to engage in any:
Answer: Substantial gainful activity due to a medically determinable impairment lasting at least 12 months or expected to result in death
SSDI uses a strict 'any occupation' definition, requiring that the impairment prevent substantial gainful activity and be expected to last at least 12 months or result in death.
Which statement is true about workers compensation coverage for independent contractors?
Answer: Independent contractors are generally not covered by workers compensation unless they are misclassified as employees
Independent contractors are typically excluded from workers compensation coverage because they are not employees, though misclassification disputes can result in coverage obligations.