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AINS 23 Assignment 9 SMART Practice Exam Questions and Correct Answers
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AINS 23 Assignment 9 SMART Practice Exam Questions and Correct Answers
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AINS 23 Assignment 9 SMART PracticeExam
Sue is injured at work, and her job responsibilities are limited for 30 days, after which time she fully
resumes her duties. Which one of the following workers compensation disability classifications best
describes Sue's injury?
a) Permanent total disability
b) Temporary total disability
c) Permanent partial disability
d) Temporary partial disability - Answer-d) Temporary partial disability
To be covered under a workers compensation statue, an injury or disease (in most states) must meet
which one of the following requirements?
a) Result in total disability
b) Result from the employer's negligence
c) Occur away from the regular work premises
d) Arise out of and in the course of the employment - Answer-d) Arise out of and in the course of the
employment
The management of Maryland Marine Co. (MMC) must ensure that proper coverage is obtained for
work-related injuries. The employee population of MMC is a mixture of full-time and part-time
employees as well as some casual employees for one-time tasks. Much of MMC's work is done by
, independent contractors and temporary employees during peak seasons. Which one of the following
statements about these persons is true?
a) Many states workers compensation statues exclude casual labor (short-term employees).
b) Temporary employees are considered employees of MMC rather than employees of the firm
supplying them to MMC.
c) Injuries to MMC's full-time ship captains are likely to be covered under state workers compensation
laws.
d) The independent contractors are automatically employees under common law. - Answer-a) Many
states workers compensation statues exclude casual labor (short-term employees).
The typical workers compensation statute provides payment for which one of the following?
a) Any property damage that accompanies a bodily injury
b) Medical bills for an injury sustained by an employee while working
c) Injuries to customers on the insured premises
d) Medical bills sustained while an employee commutes to work on public transit - Answer-b) Medical
bills for an injury sustained by an employee while working
When a worker is required to travel to another state and is injured in that other state, which one of the
following is a typical consideration in determining which state's law applies for the purpose of
determining workers compensation coverage?
a) The worker's place of residence
b) The worker's income
c) The worker's training
d) The location of the insurer - Answer-a) The worker's place of residence
Purchasing workers compensation insurance from a private insurer is one way employers demonstrate
their ability to pay their financial obligations to injured workers. Which one of the following is another
acceptable method of meeting this obligation?
a) Keeping a reserve of easily accessible funds
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