OPCI - Oklahoma Property and Casualty Insurance Exam

Question 21: An Oklahoma employee dies as a direct result of a compensable workplace injury, leaving behind a surviving spouse and young children who depended entirely on his income. Which category of workers' compensation benefit is specifically designed to respond to this kind of loss?

Permanent partial disability benefits

Temporary total disability benefits

Death benefits to dependents

Subrogation recovery for the estate

Question 22: An Oklahoma worker with a clearly compensable injury needs surgery, several follow-up visits, and a course of physical therapy. Setting aside any wage-replacement benefits, which category of workers' compensation benefit pays for the reasonable and necessary treatment of a work-related injury?

Permanent total disability benefits

Vocational placement fees

Death benefits

Medical benefits

Question 23: An Oklahoma worker is hurt in a job-related accident that was partly caused by his own ordinary carelessness rather than any wrongdoing by the employer. Regarding fault, how does the workers' compensation system generally treat an ordinary work-related injury like this?

Benefits are paid regardless of fault

Benefits are denied for carelessness

Benefits require proving employer negligence

Benefits are halved for shared fault

Question 24: An Oklahoma office employee is injured in a car accident during her ordinary daily commute between home and the workplace, on her own time and route. Which workers' compensation principle generally governs whether that commuting injury is compensable?

All commuting injuries are automatically covered

The going-and-coming rule usually excludes it

Only rush-hour commutes are covered

Commuting injuries double the benefit

Question 25: An Oklahoma employee, after hours and off the normal route, is asked by his employer to make a special delivery on the way home and is injured doing it. Which concept explains why an injury during such an employer-directed task away from the premises may still be compensable?

The exclusive remedy rule

The ordinary disease of life exclusion

The special errand exception to going-and-coming

The subrogation doctrine

Question 26: An Oklahoma worker is injured on the job by the negligence of a third party who is not his employer, and the workers' compensation insurer pays his benefits. The insurer then seeks to recover those amounts from the at-fault third party. Which principle allows this recovery?

Coinsurance

Exclusive remedy

Contribution

Subrogation

Question 27: An Oklahoma employer reviews how its workers' compensation premium is calculated and notices it reflects both the size of its workforce and the hazards of the jobs performed. On what basis is a workers' compensation premium primarily developed?

Payroll and job classification

The employer's advertising budget

The number of company vehicles

The value of the building

Question 28: An Oklahoma employer estimated its payroll at the start of the workers' compensation policy, but actual payroll during the year turned out higher. At the end of the term the insurer reviews the real figures to set the final premium. What is this end-of-term review called?

An appraisal

A premium audit

A subrogation review

An impairment rating

Question 29: An Oklahoma employer's standard workers' compensation policy contains a second coverage part that responds to certain employee-injury lawsuits that fall outside the statutory benefits. Which part of the standard workers' compensation and employers liability policy provides that protection?

Part One, workers' compensation

Part Three, other states

Part Two, employers liability

The declarations page

Question 30: An Oklahoma employer wants to know which part of the standard workers' compensation and employers liability policy actually pays the benefits that the state law itself requires for a covered on-the-job injury. Which part of the policy provides those statutory benefits?

Part Two, employers liability

Part Three, other states

A voluntary compensation endorsement

Part One, workers' compensation

Question 31: An Oklahoma manufacturer plans to open a facility in a neighboring state and worries that its current workers' compensation policy names only Oklahoma. Which part of the standard policy is designed to extend coverage to the employer's operations in additional states listed in it?

Part Three, other states

Part One, workers' compensation

Part Two, employers liability

The premium audit provision

Question 32: An Oklahoma general contractor hires a subcontractor whose employees are injured, and it turns out the subcontractor failed to secure workers' compensation coverage. Under the Act's provision on liability beyond the immediate employer, what exposure does the general contractor face?

None; it did not employ them

Liability for the uninsured subcontractor's injured employees

Liability only for the subcontractor's property

A duty limited to reporting the subcontractor

Question 33: An Oklahoma prime contractor wants assurance that a subcontractor who claims to be exempt from workers' compensation truly is, so the prime is protected. Which document, filed with the Commission, serves to establish a subcontractor's exempt status under the Act?

A certificate of authority

A declarations page

An Affidavit of Exempt Status

A surety performance bond

Question 34: An Oklahoma employer subject to the Act simply chooses not to obtain any workers' compensation coverage or approved alternative. Regarding an employer that fails to secure the required compensation, which of the following best states the general consequence under a workers' compensation system?

The employer is automatically exempt

Employees lose all rights to benefits

The state assumes the employer's payroll

The employer faces penalties and enforcement

Question 35: Oklahoma restructured its workers' compensation system some years ago, moving away from a court-based model toward an administrative one. Which body now administers workers' compensation claims under the Administrative Workers' Compensation Act for injuries occurring under the current system?

The Workers' Compensation Commission

The district courts of each county

The Insurance Department alone

A federal compensation board

Question 36: An Oklahoma worker who already had a prior permanent impairment suffers a new work injury, and the combination leaves him far more disabled than the new injury alone would. A special fund may pay the added disability. What is this type of fund generally called?

A guaranty association

A multiple injury or second injury fund

A residual market pool

A retrospective premium fund

Question 37: An Oklahoma employer with a poor loss history cannot find a private insurer willing to write its workers' compensation coverage in the voluntary market, yet it must secure the coverage. Which mechanism generally makes workers' compensation available to such hard-to-place employers?

The federal workers' compensation fund

The guaranty association

A workers' compensation assigned risk plan

A private umbrella policy

Question 38: An Oklahoma worker is injured on the job and wants to protect his right to benefits under the claims process. As a practical first step after a work-related injury, what should the injured worker generally do promptly to begin his claim?

File a lawsuit in district court

Cancel his health insurance

Wait a year before reporting it

Notify the employer of the injury

Question 39: An Oklahoma worker claims a disease arose from her occupation, and the parties dispute whether the work actually caused it. Under the Act's occupational disease provision, by what standard must the causal connection between the employment and the disease be established?

By a preponderance of the evidence

Beyond a reasonable doubt

By clear and convincing evidence

By the employer's admission only

Question 40: An Oklahoma worker develops an occupational disease after working for several employers over the years who each exposed him to the same hazard. Which principle generally determines which employer and insurer bear responsibility for the resulting occupational disease claim?

The first employer who ever exposed him

The employer of last injurious exposure

An equal split among all employers

Whichever employer is largest

OPCI Oklahoma Property and Casualty Insurance Exam - Set 3 - Part 2

Question 21: An Oklahoma employee dies as a direct result of a compensable workplace injury, leaving behind a surviving spouse and young children who depended entirely on his income. Which category of workers' compensation benefit is specifically designed to respond to this kind of loss?

Question 23: An Oklahoma worker is hurt in a job-related accident that was partly caused by his own ordinary carelessness rather than any wrongdoing by the employer. Regarding fault, how does the workers' compensation system generally treat an ordinary work-related injury like this?

Question 24: An Oklahoma office employee is injured in a car accident during her ordinary daily commute between home and the workplace, on her own time and route. Which workers' compensation principle generally governs whether that commuting injury is compensable?

Question 25: An Oklahoma employee, after hours and off the normal route, is asked by his employer to make a special delivery on the way home and is injured doing it. Which concept explains why an injury during such an employer-directed task away from the premises may still be compensable?

Question 26: An Oklahoma worker is injured on the job by the negligence of a third party who is not his employer, and the workers' compensation insurer pays his benefits. The insurer then seeks to recover those amounts from the at-fault third party. Which principle allows this recovery?

Question 27: An Oklahoma employer reviews how its workers' compensation premium is calculated and notices it reflects both the size of its workforce and the hazards of the jobs performed. On what basis is a workers' compensation premium primarily developed?

Question 28: An Oklahoma employer estimated its payroll at the start of the workers' compensation policy, but actual payroll during the year turned out higher. At the end of the term the insurer reviews the real figures to set the final premium. What is this end-of-term review called?

Question 30: An Oklahoma employer wants to know which part of the standard workers' compensation and employers liability policy actually pays the benefits that the state law itself requires for a covered on-the-job injury. Which part of the policy provides those statutory benefits?

Question 31: An Oklahoma manufacturer plans to open a facility in a neighboring state and worries that its current workers' compensation policy names only Oklahoma. Which part of the standard policy is designed to extend coverage to the employer's operations in additional states listed in it?

Question 32: An Oklahoma general contractor hires a subcontractor whose employees are injured, and it turns out the subcontractor failed to secure workers' compensation coverage. Under the Act's provision on liability beyond the immediate employer, what exposure does the general contractor face?

Question 33: An Oklahoma prime contractor wants assurance that a subcontractor who claims to be exempt from workers' compensation truly is, so the prime is protected. Which document, filed with the Commission, serves to establish a subcontractor's exempt status under the Act?

Question 36: An Oklahoma worker who already had a prior permanent impairment suffers a new work injury, and the combination leaves him far more disabled than the new injury alone would. A special fund may pay the added disability. What is this type of fund generally called?

Question 37: An Oklahoma employer with a poor loss history cannot find a private insurer willing to write its workers' compensation coverage in the voluntary market, yet it must secure the coverage. Which mechanism generally makes workers' compensation available to such hard-to-place employers?

Question 38: An Oklahoma worker is injured on the job and wants to protect his right to benefits under the claims process. As a practical first step after a work-related injury, what should the injured worker generally do promptly to begin his claim?

Question 39: An Oklahoma worker claims a disease arose from her occupation, and the parties dispute whether the work actually caused it. Under the Act's occupational disease provision, by what standard must the causal connection between the employment and the disease be established?

Question 40: An Oklahoma worker develops an occupational disease after working for several employers over the years who each exposed him to the same hazard. Which principle generally determines which employer and insurer bear responsibility for the resulting occupational disease claim?

Don't Want to Study?