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Workers Comp Benefits Quiz – Test Your Knowledge – Updated


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.

report card graphic workers comp benefits quiz

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.

  1.  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.
  2.  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
  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.
  4. What is the recovery called in #3 of this workers comp benefits quiz? Subrogation
  5. What is the first step in doing a 3rd party investigation for the adjuster or employer in #3?   The first step is to
  6. Magnifying glass workers comp benefits quiz top of book
    Wikimedia Commons – Karbynobtain 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.

  7. 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.
  8. 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.
  9. Do any states allow combining health insurance benefits with workers comp? No
  10. 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.
  11. 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.
  12. 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.
Old photo of workers comp benefits quiz of five people
Public Domain


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.


Related: Workers Comp Knowledge – Can You Pass The Test?

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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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