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Workers Comp Test Answers – Did You Pass?


Workers Comp Test Answers – Last Week’s Test

These Workers Comp test answers came from last week’s test.  In case, you missed the test, you can find it here.  It is a True or False test. Go to the test using the link if you want to see the questions and try the test first.

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Creative Commons – Pokéfan95

If you do not agree with any of the workers comp test answers, please comment below or use the Contact Us link.   We are trying to cover all 50 states, so there may be micro-exceptions.  Links are provided for most of the test answers.

  1. False – Monopolistic Ohio allows certain employers to be self-insured.  Even though Ohio heavily restricts any alternative insurance programs, you can find more info here on self-insurance at the Bureau of Workers Comp (BWC).
  2. False — Employers can request their Experience Modification info at any time.   The WCIRB provides the request form here.NCCI Experience Mod sheet requests can be made by having an account or requesting by letter or by calling 1-800-NCCI-123.
  3. False — With very few exceptions, Occupational Accident policies are not accepted by any state as Workers Comp coverage for their employees.  An Occ Acc policy can be a supplement to but not a substitution for coverage.  A modified form of an Occ Acc policy may be accepted in Texas under certain conditions such as the Opt Out program.  A few other states may allow them, but overall it is a bad risk management strategy to use them as WC policies.
  4.  False Large deductible Workers Comp insurance is technically not self-insurance.  Even though the policy may seem like self-insurance, an insurance carrier must still provide the policy.
  5. True and False  – One of the steps for increasing safety with an employer is to create or update its safety manual.  The correct answer would be to create or update the whole safety program, not just the manual.   So, the answer could be partially true.
  6. False – Surprisingly, COVID-19 workers comp claims only accounted for  65,000 claims nationwide (NCCI states) for accident years 2020 and 2021 combined.   Due to the 18-month lag in final data reporting by insurance carriers to the rating bureaus, the data for 2022 Workers Comp COVID-19 claims will be fully reported and analyzed by 7/1/2023.
  7. True – New Jersey was the most expensive state according to  WorkersCompOne.  I had thought it would have been California. The least expensive was monopolistic North Dakota.
  8. True- An easy way for an employer to reduce workers comp costs is by joining and becoming active n an association of similar companies. J&L had found that when we examined our clients’ workers comp experience, the employers that had joined and were active in associations with similar employers seemed to have lower Experience Mods.  The reason was never uncovered by us.
  9. True – it is called the Accident Curve.  The return to work after an injury or after COVID-19 shutdowns will very likely show an uptick in accidents when employers reopened or started hiring more inexperienced staff.
  10. False – Many insurance industry workers have been successful without a college degree.  Designations and years of experience can be a substitute for a college degree. J&L  does not discourage anyone from obtaining a college degree.
  11. Bonus –  False – I have seen so many versions of who or which state started Workers Comp.  The most accurate answer is Ancient Sumeria from over 4,000 years ago. The Sumerians even had a permanent disability benefits schedule etched in stone tablets.  Amazing fact.
  12. Bonus – Very True – As we turn into more of a global economy, nations such as Japan, China, and the UK all have an effect on the insurance markets.   I mentioned those three as they hold a large amount of US Treasury Bills.  If any one of those countries would start heavily buying or dumping T-Bills, then the banking and insurance markets would be extremely affected for a few years.


Insurance Designations – Complete List with Updates



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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