Vermont Adjuster's Examination for Workers Compensation Insurance Series questions with correct answers
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Vermont Adjuster\'s
Institution
Vermont Adjuster\'s
An employee in Vermont has contracted a disease as a result of employment. A claim must be brought for workers compensation benefits within: Answer Two years of the discovery of the disease
In Vermont, the employer/insurer has how many days from receiving notice of a claim to determine whether
...
Vermont Adjuster's Examination for Workers
Compensation Insurance Series questions with
correct answers
An employee in Vermont has contracted a disease as a result of employment. A claim must be brought for workers compensation benefits within: Answer ✓✓ Two
years of the discovery of the disease
In Vermont, the employer/insurer has how many days from receiving notice of a claim to determine whether
any compensation is due an injured employee? Answer ✓✓ 21 Days
Which of the following workers are covered by the FELA Act of 1908? Answer✓✓ Railroad employees
To be covered under a standard workers compensation policy, the last exposure to the conditions causing bodily injury by disease must occur: Answer ✓✓ Within the
policy period
A workers compensation claim may be denied for all of the following except? Answer✓✓ Injured while being trained for a hazardous job
Under Vermont's workers compensation laws, which of the following injuries would not qualify for permanent total disability benefits? Answer ✓✓ A severely broken arm that can heal.
Dependent children of a worker killed on the job will receive income benefits: Answer✓✓ Until age 18 or longer if still in an accredited school The premium charged for a standard workers compensation policy is based primarily on a company's: Answer ✓✓ Payroll
An employee suffered a severe injury while operating a piece of machinery known to be in need of repair. Unfamiliar with the workers compensation law, the spouse sued the employer, claiming loss of consortium. What coverage if any in a standard
workers compensation policy would respond to this lawsuit? Answer ✓✓ Employers liability coverage
A person who willfully makes a false statement or representation for the purpose of
obtaining any workers compensation benefit or payment either for her or himself or another shall be assessed a penalty of: Answer ✓✓ $1,000
All states' workers compensation laws provide which benefits in the case of worker
injury? Answer✓✓ Medical expenses without limits
Disability/loss of wages
An insurance carrier who does not intend to renew a policy of workers compensation insurance covering the liability of an employer in Vermont must notify the commissioner and the employer at least how long prior to the expiration of such policy? Answer ✓✓ 45 days
Which of the following statements about workers compensation laws is correct?
A: The scope of coverage is identical in all states
B: Every state provides "extraterritorial" coverage for residents working in another state C: Limited benefits are provided for non-economic damages such as pain and suffering D: The benefits provided under the law are typically the exclusive remedy for injured employees Answer ✓✓ D: The benefits provided under the law are typically the exclusive remedy for injured employees
An employer who fails to provide workers compensation insurance shall be assessed a penalty of how much per day for every day that the employer neglected to insure workers compensation liability prior to receiving notice from the commissioner, but not to exceed how much? Answer ✓✓ $50 / $5,000
When do benefits under Vermont's workers compensation law begin for a temporary partial disability? Answer ✓✓ Benefits begin after the third day
If a worker, covered under workers compensation coverage in Vermont, sustains a work related fatality, what will the death and survivor benefit be for the employee's
surviving spouse and two or more children? Answer ✓✓ 76 2/3% of the employee's average weekly income
**Spouse and 1 dependent is 71 2/3% Spouse and 0 dependent is 66 2/3%
Which of the following is NOT used to determine wages?
A: The total household income
B: Bonuses
C: Paid vacation
D: Average of last 12 weeks of wages Answer ✓✓ A: The total household income
In most states, workers compensation coverage is available through Answer ✓✓ Private insurers or self-insurance
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