RPLU EPLI Module 11 Questions And Answers Already Graded A+
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Course
RPLU EPLI Module 11
Institution
RPLU EPLI Module 11
Americans with Disabilities Act (ADA) 1990 - ️️A federal law that protects disabled
individuals against employment discrimination and requires employers to offer
reasonable accommodations to employees with disabilities.
Alternative Dispute Resolution (ADR) - ️️The methods, including medi...
RPLU EPLI Module 11
Americans with Disabilities Act (ADA) 1990 - ✔️✔️A federal law that protects disabled
individuals against employment discrimination and requires employers to offer
reasonable accommodations to employees with disabilities.
Alternative Dispute Resolution (ADR) - ✔️✔️The methods, including mediation and
arbitration, of settling disputes by means other than court trial that are typically less
costly and more expeditious than the litigation process
Affirmative Action - ✔️✔️The proactive measures an employer takes to recruit, employ,
and advance protected classes of employees
affirmative defense - ✔️✔️An explanation for a defendant's actions that justifies the
defendant's behavior and provides an effective defense
Age Discrimination in Employment act (ADEA) - ✔️✔️federal law that protects workers
age 40 and older from employers' discriminatory practices based on their age
Aggregate Limit - ✔️✔️The maximum amount an insurer will pay for all covered losses
during the covered policy period.
Arbitration - ✔️✔️An alternative dispute resolution (ADR) method by which disputing
parties use a neutral outside party (arbitrator) to examine the issues and develop a
settlement, which can be final and binding.
Baby Boomers - ✔️✔️Individuals born during the post-World War II period of increased
birth rates starting in 1946 and ending in 1964.
Back Pay - ✔️✔️The monetary relief to reimburse wages and/or benefits lost as a
result of unlawful discrimination or wrongful termination.
Base Rate - ✔️✔️The rate per unit of insurance that is applied to exposures specific to
a particular line of coverage and that is a component of a PLI rating plan used to
determine PLI premiums, before premiums are adjusted for the limit of liability and other
factors.
Bona Fide Occupational Qualification (BFOQ) - ✔️✔️A job requirement that permits an
employer to discriminate legally based on sex, age, religion, national origin, or physical
or mental condition.
Note: The requirement must be carefully justified and based on actual job needs, not
stereotypes.
, Claims-Made - ✔️✔️A form of liability coverage that is triggered when (1) an event
happens after the retroactive date but before the termination of coverage and (2) the
claim is made against the insured while the policy is in effect.
Claims-Made and Reported - ✔️✔️A form of liability coverage requiring that the claim
not only be made but also reported to the insurer during the same policy period
Class Action - ✔️✔️A lawsuit that authorizes a single person or small group of people
to represent the interests of a larger group of employees.
Collective Bargaining Agreement - ✔️✔️An employment agreement entered into by an
employer with a group of employees.
Commercial General Liability (CGL) Insurance - ✔️✔️A type of insurance that provides
coverage for commercial risks for losses arising out of business operations involving
bodily injury and property damage, except those specifically excluded, including
professional services.
Notes: May also include advertising injury/personal injury coverage.
Common Law - ✔️✔️The body of law established by the courts' decisions in prior
cases (precedents) rather than statutory law written by a legislature.
Note: Also called case law.
Compensatory Damages - ✔️✔️The costs that are awarded to claimants for losses
they incurred and that include both special damages (specific, out of pocket costs) and
general damages (costs for pain and suffering).
Conciliation - ✔️✔️The efforts by a third party to improve the relationship between two
or more disputants.
Consent to Settle Provision - ✔️✔️A policy provision that requires the insurer to obtain
the insured's consent before offering to settle claims made under a duty to defend
policy.
Note: In a duty to pay policy, the insured must obtain the insurer's consent before
entering into any settlement agreement.
Constructive Discharge - ✔️✔️A type of termination of the employment relationship in
which the employee quits, but the employer is liable as if wrongful termination occurred,
because the employee was forced to resign due to intolerable working conditions.
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