AINS 103 questions with answers- All
Chapters
Occupational injury - .......🔷ANSWERS🔶......✔✔ Generally, an employee is covered for
any work-related injury sustained while at a place of employment or while traveling for the
employer. Injuries occurring while traveling to or from work are typically not covered.
Occupational disease - .......🔷ANSWERS🔶......✔✔ Generally, an employee is covered for a
disease thought to be caused by the work or the work environment. Most occupational
diseases become evident during employment or soon after an employee's exposure to
harmful conditions. But many states provide extended periods of time for discovering slowly
developing diseases.
Temporary partial disability - .......🔷ANSWERS🔶......✔✔ Disability caused by a work-
related injury or disease that temporarily limits the extent to which an employee can
perform specific job duties for a period of time (such as 30 or 60 days). After that period, the
worker is expected to be able to resume all job duties.
Temporary total disability - .......🔷ANSWERS🔶......✔✔ Disability caused by a work-related
injury or disease that temporarily renders an injured employee unable to perform any job
duties for a period of time (such as 30 or 60 days). After that period, the worker is expected
to be able to resume all job duties.
Permanent partial disability - .......🔷ANSWERS🔶......✔✔ Disability caused by a work-
related injury or disease that impairs the injured employee's earning capacity for life. The
employee is able to work at reduced efficiency.
Permanent total disability - .......🔷ANSWERS🔶......✔✔ Disability caused by a work-related
injury or disease that renders an injured employee unable to ever return to gainful
employment.
, Industrial and private employers - .......🔷ANSWERS🔶......✔✔ Workers compensation
statutes apply to virtually all industrial workers and most other kinds of private employers.
Employees
Employees - .......🔷ANSWERS🔶......✔✔ Entitlement to benefits depends on whether a
person qualifies as an employee (a person hired to perform services for another under the
direction and control of the employer). Employees, but not necessarily independent
contractors, are entitled to workers compensation benefits.
Employees of independent contractors - .......🔷ANSWERS🔶......✔✔ An independent
contractor might employ others. The independent contractor, like other employers, must
then provide workers compensation benefits to its employees.
Leased employees - .......🔷ANSWERS🔶......✔✔ Leased employees are provided by a leasing
contractor (sometimes called a professional employer organization, or PEO) to a client
company. The PEO is typically responsible for providing leased employees with workers
compensation coverage.
Temporary employees - .......🔷ANSWERS🔶......✔✔ Temporary employees are hired for
short-term assignments to cope with peak loads or to replace an employee who is sick or on
vacation. The organization supplying the temporary employees provides them with workers
compensation benefits.
Aubree was employed by a temporary employment agency and assigned to a department
store during a busy shopping period. While lifting a box, she strained her back and required
medical care and rehabilitation. She lost a month's wages. Which employer's workers
compensation policy, if any, will provide benefits for Aubree's injury?
The department store - .......🔷ANSWERS🔶......✔✔ The employment agency
Examining Cyber Risks - .......🔷ANSWERS🔶......✔✔ - A cyber risk loss exposure is a
condition that presents the possibility of financial loss to an organization because data
ended up in the possession of a party who is not authorized to have it.
Chapters
Occupational injury - .......🔷ANSWERS🔶......✔✔ Generally, an employee is covered for
any work-related injury sustained while at a place of employment or while traveling for the
employer. Injuries occurring while traveling to or from work are typically not covered.
Occupational disease - .......🔷ANSWERS🔶......✔✔ Generally, an employee is covered for a
disease thought to be caused by the work or the work environment. Most occupational
diseases become evident during employment or soon after an employee's exposure to
harmful conditions. But many states provide extended periods of time for discovering slowly
developing diseases.
Temporary partial disability - .......🔷ANSWERS🔶......✔✔ Disability caused by a work-
related injury or disease that temporarily limits the extent to which an employee can
perform specific job duties for a period of time (such as 30 or 60 days). After that period, the
worker is expected to be able to resume all job duties.
Temporary total disability - .......🔷ANSWERS🔶......✔✔ Disability caused by a work-related
injury or disease that temporarily renders an injured employee unable to perform any job
duties for a period of time (such as 30 or 60 days). After that period, the worker is expected
to be able to resume all job duties.
Permanent partial disability - .......🔷ANSWERS🔶......✔✔ Disability caused by a work-
related injury or disease that impairs the injured employee's earning capacity for life. The
employee is able to work at reduced efficiency.
Permanent total disability - .......🔷ANSWERS🔶......✔✔ Disability caused by a work-related
injury or disease that renders an injured employee unable to ever return to gainful
employment.
, Industrial and private employers - .......🔷ANSWERS🔶......✔✔ Workers compensation
statutes apply to virtually all industrial workers and most other kinds of private employers.
Employees
Employees - .......🔷ANSWERS🔶......✔✔ Entitlement to benefits depends on whether a
person qualifies as an employee (a person hired to perform services for another under the
direction and control of the employer). Employees, but not necessarily independent
contractors, are entitled to workers compensation benefits.
Employees of independent contractors - .......🔷ANSWERS🔶......✔✔ An independent
contractor might employ others. The independent contractor, like other employers, must
then provide workers compensation benefits to its employees.
Leased employees - .......🔷ANSWERS🔶......✔✔ Leased employees are provided by a leasing
contractor (sometimes called a professional employer organization, or PEO) to a client
company. The PEO is typically responsible for providing leased employees with workers
compensation coverage.
Temporary employees - .......🔷ANSWERS🔶......✔✔ Temporary employees are hired for
short-term assignments to cope with peak loads or to replace an employee who is sick or on
vacation. The organization supplying the temporary employees provides them with workers
compensation benefits.
Aubree was employed by a temporary employment agency and assigned to a department
store during a busy shopping period. While lifting a box, she strained her back and required
medical care and rehabilitation. She lost a month's wages. Which employer's workers
compensation policy, if any, will provide benefits for Aubree's injury?
The department store - .......🔷ANSWERS🔶......✔✔ The employment agency
Examining Cyber Risks - .......🔷ANSWERS🔶......✔✔ - A cyber risk loss exposure is a
condition that presents the possibility of financial loss to an organization because data
ended up in the possession of a party who is not authorized to have it.
