Workers Compensation and Disability Insurance Flashcards
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Read the first 6 Workers Compensation and Disability Insurance flashcards as text
Under workers compensation law, which of the following injuries is generally covered?
Answer: Injury that arises out of and in the course of employment
Workers compensation covers injuries that arise out of and in the course of employment, meaning they must be work-related and occur while the employee is performing job duties.
Which of the following best describes the 'exclusive remedy' doctrine in workers compensation?
Answer: Employees cannot sue their employer in civil court for work-related injuries covered by workers comp
The exclusive remedy doctrine means that workers compensation benefits are the sole remedy available to an injured employee against their employer, preventing civil tort lawsuits.
Which benefit type under workers compensation covers the cost of medical treatment, surgery, and rehabilitation for a work-related injury?
Answer: Medical benefits
Medical benefits under workers compensation pay for all reasonable and necessary medical expenses related to a work-related injury or illness.
A worker is injured and cannot perform any work while recovering. Which workers compensation benefit would apply?
Answer: Temporary total disability
Temporary total disability (TTD) benefits replace a portion of lost wages when an injured worker is completely unable to work during the recovery period.
An employee suffers a permanent injury that partially limits their ability to work. Which workers compensation benefit applies?
Answer: Permanent partial disability
Permanent partial disability (PPD) benefits compensate workers who suffer a lasting impairment that reduces but does not eliminate their ability to earn wages.
In a workers compensation policy, what does the experience modification factor (e-mod) reflect?
Answer: The employer's past loss history compared to similar businesses
The experience modification factor adjusts workers compensation premiums based on an employer's actual claims history relative to other employers in the same industry.