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Chapter 13 Quiz
This quiz will test your knowledge on the material presented. Some questions may also test your knowledge on material not yet presented.
The difference between self-insurance and private insurance is:
In private insurance, the employer pays for claims; in self-insurance, the employee pays.
In private insurance, the insurer pays for claims, in self-insurance, the employer pays.
In private insurance, the state fund pays; in self-insurance, the employer pays.
There is no difference.
The following is not covered by employers liability coverage.
Dual capacity claims
Failure to provide workers compensation benefits claims
Loss of consortium claims
Statutory workers compensation benefits
Supplemental income benefits begin:
After two weeks of disability, until maximum medical improvement is achieved
After maximum medical improvement is achieve, until the employee's death
After impairment income benefits have expired and the employee has an impairment rating above 15%
After 40 weeks of receiving other income benefits
It is mandatory for this person to have workers compensation in Texas.
A medical technician at a doctor's office
A file clerk at a municipality
A mechanic at an auto dealership
A grocery store clerk
An employer is relieved of its responsibility to provide workers compensation coverage if the empl
The injury was minor and there was no disability
The employee hired an attorney
The employer is self-insured
A supervisor for the employer has knowledge of the injury
All of the following statements regarding workers compensation insurance in Texas is true EXCEPT?
Workers compensation's primary advantage for the injured employee is that it provides a quick and certain means of compensation.
Workers compensation provides compensation to employees who are injured on the job, without regard to fault or negligence on the part of either the employer or employee.
All Texas employers are required to obtain workers compensation coverage for their employees.
Providing workers compensation protects the employer from tort liability.
In every state, some employees or employers are exempted from workers compensation laws. Which of the following is most true about workers compensation benefits to these employees?
Individual, "at-work" coverage may be purchased by employees
They are prohibited
They are provided by state workers compensation funds
Coverage may be made available voluntarily by the employer
What body administers and operates the workers compensation laws in the State of Texas?
Division of Workers Compensation
Labor Relations Division
Workers Compensation Commission
Industrial Relations Board
Z Store carries workers compensation insurance. The maintenance manager Mr. Joe was injured while he was working and has to miss work for more than one day. Z store must make a report to its insurance carrier ___.
Within 8 days of the date of absence
Within 30 days of the date of absence
Within 5 days of the date of absence
Within 14 days of the date of absence
Bob suffered a work-related injury during his shift on January 1, 2013. He was undecided if he would report the injury but the pain was not getting any better. It was now January 15, 2013 and Bob could no longer move his right arm. He tried using a heating pad for a week but it still felt sore. Bob was a loyal employee and really did not want to make the claim so he waited another 3 weeks before he decided to report the injury. When he turned in the form, Susan in Human Resources informed him that he was to report the injury by ___ to this employer (or someone acting on their behalf).
January 5, 2013
January 15, 2013
February 1, 2013
March 1, 2013
The insured carries a yacht policy. Two of the crew members are injured while performing a work related task. What coverage under the policy would respond to cover the crew member’s injuries?
Federal Longshore and Harbor Workers Compensation
Mr. Robert was a Texas worker injured on the job. He was provided lifetime income benefits through compensation and paid at a rate of ___.
80% of the state average weekly wage
50% of the employee's average weekly wage
Lifetime income benefits are not available in Texas
75% of the employee's average weekly wage
Molly is a self-insured employer who purchased ___ to cover workers compensation claims that exceeded her plan’s pre-established limits.
Directors and officers liability insurance
Umbrella liability insurance
Exclusive state fund insurance
Which of the following is NOT one of the common law defenses against employer's liability?
Fellow servant rule
Assumption of risk
If your score is below 70%, please Try Again.