PPCI - Pennsylvania Property and Casualty Insurance Exam

Question 1: A Pennsylvania warehouse worker is injured on the job and receives workers compensation benefits. He then wants to sue his employer in court for additional damages arising from the same injury. Which principle of the Pennsylvania Workers Compensation Act blocks that lawsuit?

The exclusive remedy rule

Contributory negligence

Subrogation

The assumption of risk defense

Question 2: A Pennsylvania employer reviews its workers compensation policy and finds three separate parts, one paying statutory benefits, one responding to employee suits outside the statute, and one addressing operations in other jurisdictions. Which part responds to employee lawsuits outside the compensation statute?

Part One

Part Three

Part Two

The information page

Question 3: A Pennsylvania contractor's workers compensation premium changes at audit because payroll ran higher than estimated, and a separate factor adjusts the premium based on the firm's own loss history. Which pair of terms describes the premium basis and that adjusting factor?

Revenue and the retention factor

Headcount and the loss constant

Square footage and the expense ratio

Payroll and the experience modification

Question 4: A Pennsylvania foundry worker develops a lung condition after years of exposure to airborne dust, while a coworker breaks an ankle in a single fall. Which statement correctly describes how the Pennsylvania Workers Compensation Act treats these two claims?

Both are compensable, one as occupational disease

Only the ankle injury is compensable

Only the lung condition is compensable

Neither is compensable without employer fault

Question 5: A Pennsylvania employee is hurt at work on a Monday and tells her supervisor the same afternoon. The supervisor asks what the employer must do next so that the claim moves forward properly. Which action does the claim reporting process require?

Wait until the employee returns to work

Pay the medical bills directly first

Obtain a signed release from the employee

Report the injury to the insurer promptly

Question 6: A brakeman working for an interstate railroad is injured on the job and sues his employer, alleging that the railroad's negligence caused the accident. Which federal statute governs the remedy available to this worker rather than a state compensation act?

The Federal Employers Liability Act

The Jones Act

The Longshore and Harbor Workers Compensation Act

The Federal Mine Safety and Health Act

Question 7: A crew member aboard a commercial vessel operating out of a Pennsylvania river port is injured while working on deck. She wants to bring a negligence action against the vessel owner. Which federal statute provides that right to a seaman?

The Federal Employers Liability Act

The Longshore and Harbor Workers Compensation Act

The Jones Act

The Migrant and Seasonal Worker Protection Act

Question 8: A worker loading cargo onto a barge at a Pennsylvania river terminal is crushed between containers on the pier. He is not a member of any vessel's crew. Which federal act provides compensation benefits for an injury of this kind?

The Jones Act

The Federal Employers Liability Act

The Federal Mine Safety and Health Act

The Longshore and Harbor Workers Compensation Act

Question 9: A Pennsylvania employer opening a new plant must secure its workers compensation liability and asks the producer what choices exist under the Act. Which set of options correctly describes the ways a Pennsylvania employer may satisfy that obligation?

A private insurer only

The state fund only

Private insurer, state fund, or self-insurance

Self-insurance only

Question 10: A Pennsylvania employer with a difficult loss record cannot find a private carrier willing to write its workers compensation coverage. Which Pennsylvania entity was created to serve employers in that position while also competing in the ordinary market?

The State Workers Insurance Fund

The Property and Casualty Guaranty Association

The Pennsylvania FAIR Plan

The Pennsylvania Assigned Risk Plan

Question 11: A large Pennsylvania employer applies to the Department of Labor and Industry for permission to self-insure its workers compensation obligation and later renews that status. Which pair of fees does the Act attach to the application and to each renewal?

One thousand dollars and five hundred dollars

Two hundred fifty dollars and fifty dollars

Five hundred dollars and one hundred dollars

No fees are charged for self-insurance

Question 12: A Pennsylvania orchard hires a seasonal worker for a short harvest period and pays a modest total wage for the season. Which pair of thresholds determines whether that agricultural worker falls outside mandatory workers compensation coverage under the Act?

Two thousand dollars or sixty days

Five hundred dollars or fifteen days

Five thousand dollars or ninety days

Twelve hundred dollars or thirty days

Question 13: A Pennsylvania homeowner hires a neighbor for one afternoon to clear brush from the yard, and a different family employs a full-time housekeeper in their home. Which statement correctly describes how the Workers Compensation Act treats these two workers?

Casual labor excluded, domestic service elective

Both are mandatory covered employees

Both excluded with no election

Domestic service mandatory, casual labor elective

Question 14: A Pennsylvania machinist is totally disabled by a work injury and asks how his weekly compensation check will be calculated. Which statement correctly describes the wage-loss benefit for total disability under the Pennsylvania Workers Compensation Act itself?

Full average weekly wage with no cap

Two thirds of the average weekly wage

Fifty percent of the average weekly wage

A flat statewide weekly amount

Question 15: A Pennsylvania employee is disabled by a work injury and remains out of work for three weeks. She wants to know whether she will be paid for the first several days she missed. Which statement correctly describes the waiting period rule?

The first seven days are never payable

There is no waiting period at all

The first seven days become payable retroactively

The first thirty days are never payable

Question 16: A Pennsylvania worker recovers enough to return to a lower paying job and receives benefits based on the difference between his pre-injury wage and his current earning power. What is the maximum number of weeks partial disability benefits may run under the Act?

Five hundred weeks

One hundred four weeks

Two hundred sixty weeks

Four hundred weeks

Question 17: A Pennsylvania worker has received total disability benefits for more than two years, and the insurer requests an impairment rating evaluation. Which combination of timing and impairment threshold governs whether his status changes from total to partial disability?

Fifty-two weeks and twenty percent

One hundred four weeks, thirty-five percent

Two hundred weeks and fifty percent

Five hundred weeks and ten percent

Question 18: A Pennsylvania employee dies from a work injury, leaving a surviving spouse and two children. The family asks about the burial allowance and the wage-based benefit. Which pair correctly states the burial maximum and the spouse's rate with two or more children?

Three thousand dollars and fifty-one percent

Five thousand dollars and sixty percent

Ten thousand dollars and eighty percent

Seven thousand dollars and two thirds

Question 19: A Pennsylvania employer deliberately operates for several months without securing any workers compensation coverage for the employees working at its plant. Which statement correctly describes how the Act grades that conduct and how the offense is counted over time?

A third-degree felony, each day separate

A summary offense charged once per year

A civil penalty with no criminal exposure

A first-degree misdemeanor charged once

Question 20: The shareholders of a Pennsylvania corporation sue the board members personally, alleging that a series of poor governance decisions destroyed shareholder value. Which specialty liability coverage is designed to respond to claims brought against corporate leadership in that capacity?

Employment practices liability

Employee benefits liability

Commercial general liability

Directors and officers liability

PPCI Pennsylvania Property and Casualty Insurance Exam - Set 5 - Part 1

Question 1: A Pennsylvania warehouse worker is injured on the job and receives workers compensation benefits. He then wants to sue his employer in court for additional damages arising from the same injury. Which principle of the Pennsylvania Workers Compensation Act blocks that lawsuit?

Question 3: A Pennsylvania contractor's workers compensation premium changes at audit because payroll ran higher than estimated, and a separate factor adjusts the premium based on the firm's own loss history. Which pair of terms describes the premium basis and that adjusting factor?

Question 4: A Pennsylvania foundry worker develops a lung condition after years of exposure to airborne dust, while a coworker breaks an ankle in a single fall. Which statement correctly describes how the Pennsylvania Workers Compensation Act treats these two claims?

Question 5: A Pennsylvania employee is hurt at work on a Monday and tells her supervisor the same afternoon. The supervisor asks what the employer must do next so that the claim moves forward properly. Which action does the claim reporting process require?

Question 6: A brakeman working for an interstate railroad is injured on the job and sues his employer, alleging that the railroad's negligence caused the accident. Which federal statute governs the remedy available to this worker rather than a state compensation act?

Question 7: A crew member aboard a commercial vessel operating out of a Pennsylvania river port is injured while working on deck. She wants to bring a negligence action against the vessel owner. Which federal statute provides that right to a seaman?

Question 8: A worker loading cargo onto a barge at a Pennsylvania river terminal is crushed between containers on the pier. He is not a member of any vessel's crew. Which federal act provides compensation benefits for an injury of this kind?

Question 9: A Pennsylvania employer opening a new plant must secure its workers compensation liability and asks the producer what choices exist under the Act. Which set of options correctly describes the ways a Pennsylvania employer may satisfy that obligation?

Question 10: A Pennsylvania employer with a difficult loss record cannot find a private carrier willing to write its workers compensation coverage. Which Pennsylvania entity was created to serve employers in that position while also competing in the ordinary market?

Question 11: A large Pennsylvania employer applies to the Department of Labor and Industry for permission to self-insure its workers compensation obligation and later renews that status. Which pair of fees does the Act attach to the application and to each renewal?

Question 12: A Pennsylvania orchard hires a seasonal worker for a short harvest period and pays a modest total wage for the season. Which pair of thresholds determines whether that agricultural worker falls outside mandatory workers compensation coverage under the Act?

Question 13: A Pennsylvania homeowner hires a neighbor for one afternoon to clear brush from the yard, and a different family employs a full-time housekeeper in their home. Which statement correctly describes how the Workers Compensation Act treats these two workers?

Question 14: A Pennsylvania machinist is totally disabled by a work injury and asks how his weekly compensation check will be calculated. Which statement correctly describes the wage-loss benefit for total disability under the Pennsylvania Workers Compensation Act itself?

Question 15: A Pennsylvania employee is disabled by a work injury and remains out of work for three weeks. She wants to know whether she will be paid for the first several days she missed. Which statement correctly describes the waiting period rule?

Question 16: A Pennsylvania worker recovers enough to return to a lower paying job and receives benefits based on the difference between his pre-injury wage and his current earning power. What is the maximum number of weeks partial disability benefits may run under the Act?

Question 17: A Pennsylvania worker has received total disability benefits for more than two years, and the insurer requests an impairment rating evaluation. Which combination of timing and impairment threshold governs whether his status changes from total to partial disability?

Question 18: A Pennsylvania employee dies from a work injury, leaving a surviving spouse and two children. The family asks about the burial allowance and the wage-based benefit. Which pair correctly states the burial maximum and the spouse's rate with two or more children?

Question 19: A Pennsylvania employer deliberately operates for several months without securing any workers compensation coverage for the employees working at its plant. Which statement correctly describes how the Act grades that conduct and how the offense is counted over time?

Question 20: The shareholders of a Pennsylvania corporation sue the board members personally, alleging that a series of poor governance decisions destroyed shareholder value. Which specialty liability coverage is designed to respond to claims brought against corporate leadership in that capacity?

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