TPCI Tennessee Property and Casualty Insurance Exam - Set 5 - Part 3
Test your knowledge of technical writing concepts with these practice questions. Each question includes detailed explanations to help you understand the correct answers.
Question 41: Modern workers' compensation laws changed the basic premise for compensating a job injury. Rather than requiring the employee to prove the employer did something wrong, the employer agrees to pay the benefits the statute sets no matter who was at fault. What character does this give the system?
Question 42: Workers' compensation laws in most states provide benefits in several broad categories, including payments that replace part of lost income, cover medical treatment, compensate survivors, and pay for retraining. Which of the following is one of these recognized workers' compensation benefit categories?
Question 43: For an injury to be compensable under workers' compensation, it must meet a two-part test connected with the employment. Courts look at whether the harm both grew out of the work and happened while the worker was engaged in it. Which standard captures this requirement?
Question 44: A longtime coal miner develops a chronic lung condition, commonly called black lung, caused by years of breathing dust particular to that work. Workers' compensation recognizes a category of compensable harm that is not a sudden accident but a condition produced by the job itself. What is this called?
Question 45: The standard Workers' Compensation and Employers Liability Policy includes a section that responds when an employer is sued at common law over a work injury that falls outside the statutory benefits, such as a claim by an exempt or noncompensable worker. Which part provides this coverage?
Question 46: An employer insured under the Workers' Compensation and Employers Liability Policy expands operations into a state that was not listed for its primary coverage. The policy contains a part designed to extend protection to such newly entered states when they are listed. Which part serves this purpose?
Question 47: Under the Workers' Compensation and Employers Liability Policy, the section that promises to pay the benefits required by the workers' compensation law of the states where the insured operates handles policy limits in a distinctive way. How does that section treat the dollar limit on benefits?
Question 48: An employer wants to provide workers' compensation style benefits to certain workers who are not actually covered by the state's workers' compensation law, such as some domestic or farm employees. An endorsement can extend benefits to these excluded workers. Which endorsement accomplishes this?
Question 49: A workers' compensation insurer compares an employer's actual loss history with that of similar businesses and adjusts the manual premium up or down accordingly. An employer with better than average losses sees its premium reduced. Which rating device produces this adjustment?
Question 50: Several federal laws sit outside state workers' compensation systems. One allows members of a ship's crew to sue the vessel owner at common law for injuries caused by the owner's negligence, rather than collecting scheduled state benefits. Which federal law provides this remedy for seamen?
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