Workers Comp Benefits Quiz – 10 Quick Questions – Answered
Most of the answers to this workers comp benefits quiz are in the articles that I have written since 2007. Good luck.
The answers will be provided on Monday, August 23rd with an article update. If there are any questions or comments or the questions or answers, please add them in the comments section. Thanks.
The answers are not all state-specific. They may not fit all states. The answers are for most of the states.
- An injured worker returns to work. Their pre-injury pay rate was $600 per week. They will work 1/2 time for the next month. How much are they paid weekly in WC benefits? Calculate the benefit at $600 – $300 = $300 *.6667 = $200.00.
- What is the type of benefit paid in #1? Answer – the benefit is known as Temporary Partial Disability (TPD). The formula subject to maximums and minimums is (Old Wage – New Reduced Wage) * 2/3
- An employee is driving in a company vehicle during work hours. They are rear-ended by another vehicle. The police officer tickets the other driver. Do you still have to pay Workers Comp benefits to the injured employee? Yes, Workers’ Comp benefits are almost always the primary benefit. Can you recover any of the benefits paid to the injured employee? Yes, if you notify the other insurance carrier’s claims department by Certified Return Receipt Mail with the proper subrogation letter.
- What is the recovery called in #3 of this workers comp benefits quiz? Subrogation
- What is the first step in doing a 3rd party investigation for the adjuster or employer in #3? The first step is to
obtain the police report. Most police reports have the driver’s insurance company listed.
- What have I (James Moore) found missing in many claim files lately as part of the initial benefits decision? The initial three-point contact. This is a necessary part of any claims investigation. The insurance industry used to require recorded statements. Some carriers and TPA’s still require this on larger claims and claims with subrogation interests. One of the best steps to do with a new employer if you are a claims adjuster is to read your claims manual.
- Do all states provide the exact same benefits to injured employees? No, there are some exceptions to most states. That is why an adjuster should consult their respective carrier or TPA claims department manuals. This quiz covers the standard state benefits that are provided by a majority of the states.
- What is the easiest method for an employer to track benefit payments? By having online access to their claims. An updated employer usually handles the claim on their end much better than receiving quarterly loss runs.
- Do any states allow combining health insurance benefits with workers comp? No
- Do other countries provide WC benefits similar to the US? Yes, many countries do provide benefits. For example, China has a similar system to the US.
- Bonus question – How many states allow an employer/adjuster to immediately remove the injured employee from benefits? Virtually none, most states require a form filing to let the employee, employer, and state to report a benefit suspension. Many states require an informal conference or hearing to stop benefits.
- Who created the first Workers Comp benefits system? Ancient Sumeria created a Workers Comp benefits system in the year 2,050 BC. Astounding fact. They even provided PPD benefits for the loss of use of a body part.
All of these questions in the Workers Comp benefits quiz have an associated article appearing on this website. You can cheat and use the search box. Good luck. I will update these on Monday. 80% is a passing grade. Ten points per question.
Any of the Workers Comp benefits questions or answers may change if the file is in a litigated status.