OPCI - Oklahoma Property and Casualty Insurance Exam

Question 1: An Oklahoma employer asks how the workers' compensation law describes the workers it must cover, since the definition drives who is protected. Under the Administrative Workers' Compensation Act, which of the following best captures who counts as an employee for coverage purposes?

Only salaried office staff

Only workers earning above a set wage

Anyone serving under a contract of hire

Only workers who own no other business

Question 2: An Oklahoma rural fire district uses unpaid volunteers, and one volunteer firefighter is hurt battling a blaze. Although the Act generally excludes volunteers who receive no wages, how does Oklahoma workers' compensation law treat an authorized volunteer firefighter for coverage purposes?

Covered as an employee

Excluded like all other volunteers

Covered only if paid a stipend

Covered only after one year of service

Question 3: An Oklahoma shop has exactly five total employees, and its owner assumes that any employer with five or fewer employees is automatically exempt from carrying workers' compensation. Under Oklahoma's Act, what condition must actually be met before that small-employer exclusion applies?

Nothing more than the five-employee count

All five must be part-time

All five must be related or dependents

The employer earns under a threshold

Question 4: An Oklahoma limited liability company has a member who owns fifteen percent of the company and works in the business daily. Under the Act, how is such a substantial owner treated for workers' compensation coverage, absent any further step by that owner?

Automatically covered as an employee

Covered only for occupational disease

Covered at double the usual benefits

Excluded unless the owner elects coverage

Question 5: An Oklahoma brokerage engages licensed real estate sales associates who are paid entirely by commission on the sales they close. When one is injured, the question of coverage arises. Under the Act, how is a commissioned real estate licensee generally treated for workers' compensation?

Excluded from the employee definition

Included like any hourly worker

Included only during open houses

Included after passing the license exam

Question 6: An Oklahoma farming operation employs seasonal field hands, and the owner wants to know when such agricultural workers fall outside mandatory workers' compensation. Under the Act, agricultural or horticultural workers are excluded from the employee definition when the employer's payroll for them stays below what figure?

Fifty thousand dollars

Twenty-five thousand dollars

One hundred fifty thousand dollars

Five hundred thousand dollars

Question 7: An Oklahoma household hires occasional domestic help, and the family asks when a domestic servant or casual worker in and about a private home falls outside mandatory workers' compensation. Under the Act, that exclusion applies when the household's prior-year payroll for such workers stays below which figure?

One hundred fifty thousand dollars

Ten thousand dollars

One hundred thousand dollars

Fifty thousand dollars

Question 8: An Oklahoma accountant hires a neighbor for a single afternoon to help move some furniture, work entirely unrelated to the accounting practice. When the helper is hurt, coverage is questioned. Under the Act, why might this worker fall outside the employee definition?

Casual work outside the employer's business

The helper was paid in cash

The helper had no written contract

The job lasted under a day

Question 9: An Oklahoma maritime employer has workers whose injuries are covered under a federal compensation scheme such as the Longshore and Harbor Workers' Act or the Jones Act. Under the Oklahoma Act, how are workers already subject to such a federal act treated?

Covered twice under both systems

Covered only for medical benefits

Excluded where a federal act applies

Covered only if the federal claim fails

Question 10: An Oklahoma retailer employs a seventeen-year-old part-time worker who is injured stocking shelves, and the employer questions whether someone under eighteen can even be a covered employee. Under the Act's definition, how is a minor working under a contract of hire treated?

A minor cannot be an employee

A minor is covered for medical only

A minor needs parental consent

A minor is an employee

Question 11: An Oklahoma freight company contracts with an owner-operator who actually drives his own truck-tractor for hire under the arrangement. When he is injured, coverage is questioned. Under the Act, how is a genuine owner-operator of a truck for hire generally treated for workers' compensation?

Excluded, though he may elect coverage

Always a covered employee

Covered only for cargo losses

Covered only on interstate routes

Question 12: An Oklahoma employer shopping for workers' compensation coverage asks whether it must buy from a single government state fund or may instead choose freely among competing private insurers. Regarding how workers' compensation insurance is provided in the state, which description fits Oklahoma?

A monopolistic state fund only

A competitive market with private insurers

Coverage available only through the federal government

Self-insurance required for every employer

Question 13: An Oklahoma employer must secure its workers' compensation liability in one of the ways the Act allows. Which of the following is a recognized method by which an Oklahoma employer may secure the payment of workers' compensation to its employees?

Posting a sign disclaiming liability

Requiring employees to waive coverage

Purchasing a policy from an authorized insurer

Relying on employees' health insurance

Question 14: An Oklahoma warehouse worker strains his back while lifting a pallet during his shift, plainly as part of his job duties. For a workers' compensation claim to be compensable, the injury generally must satisfy which fundamental coverage test?

It must occur off the employer's premises

It resulted from employer negligence

It happened in the first year

It arose out of the employment

Question 15: An Oklahoma employee injured on the job receives workers' compensation benefits and then wants to sue her employer in court for additional damages arising from the same ordinary work accident. Which core principle of workers' compensation generally governs this situation?

Benefits are the exclusive remedy

The employee may sue freely

The employer also pays a penalty

The claim goes to a jury

Question 16: An Oklahoma office employee catches a common seasonal illness that is circulating widely in the community and files a workers' compensation claim. Under the Act's occupational disease provisions, how is an ordinary disease of life to which the general public is exposed treated?

Compensable like any work injury

Not compensable under the Act

Compensable only for medical costs

Compensable after a waiting period

Question 17: An Oklahoma foundry worker develops a lung condition after years of inhaling harmful dust peculiar to the foundry trade. Rather than a sudden accident, this is a disease tied to the work itself. Which concept describes a disease that arises out of and in the course of a particular occupation?

An ordinary disease of life

A scheduled injury

An occupational disease

A third-party liability

Question 18: An Oklahoma worker is completely unable to work for several weeks while recovering from a compensable injury, then is expected to return fully. Which category of workers' compensation indemnity benefit is designed to replace lost wages during that temporary period of total disability?

Permanent total disability benefits

Death benefits

Permanent partial disability benefits

Temporary total disability benefits

Question 19: After an Oklahoma worker reaches maximum medical improvement following a hand injury, a physician rates a lasting but partial loss of use that still allows the worker to hold a job. Which category of workers' compensation benefit corresponds to this lasting partial impairment?

Permanent partial disability benefits

Temporary total disability benefits

Vocational tuition reimbursement

Employers liability damages

Question 20: An Oklahoma worker suffers a catastrophic injury that leaves him permanently unable to return to any gainful employment. Which category of workers' compensation indemnity benefit is intended to respond when an injured worker is permanently and totally unable to work?

Temporary partial disability benefits