VERMONT ADJUSTER'S
EXAMINATION FOR WORKERS'
COMPENSATION INSURANCE (2026
SERIES): PRACTICE QUESTIONS &
ANSWERS
1. Under Vermont workers’ compensation law, an injury is
compensable only if it:
A) Occurs outside the workplace.
B) Arises out of and in the course of employment.
C) Is reported within 30 days.
D) Results in permanent disability.
2. Which benefit covers all necessary medical treatment
related to a workplace injury?
A) Temporary disability benefit.
B) Vocational rehabilitation benefit.
C) Medical benefit.
D) Wage replacement benefit.
3. Temporary Total Disability (TTD) benefits are paid when:
A) The worker is partially disabled but still working.
B) The worker cannot work at all during recovery.
C) The worker resigns from employment.
D) The worker reaches retirement age.
,4. Who is responsible for filing the First Report of Injury in
Vermont?
A) Employee.
B) Employer.
C) Insurance broker.
D) Physician.
5. How many days must an employer or insurer wait before
wage-replacement benefits begin?
A) 1 day.
B) 3 days.
C) 7 days.
D) 14 days.
6. Which state agency administers Vermont’s workers’
compensation system?
A) Vermont Department of Financial Regulation.
B) Vermont Department of Labor.
C) Vermont Workers’ Compensation Board.
D) Vermont Department of Health.
7. An employee in Vermont contracts a disease because of
employment. By what deadline must a claim be filed?
A) One year from the last exposure.
B) Two years from the discovery of the disease.
C) Three years from the last day of employment.
D) Six months from diagnosis.
8. After receiving notice of a claim, how many days does the
employer/insurer have to determine whether compensation is
due?
A) 14 days.
,B) 21 days.
C) 30 days.
D) 45 days.
9. Which workers are covered by the Federal Employers
Liability Act (FELA) of 1908?
A) Maritime workers.
B) Railroad employees.
C) Federal government employees.
D) Agricultural workers.
10. To be covered under a standard workers’ compensation
policy, the last exposure to conditions causing an
occupational disease must occur:
A) Within 30 days before the policy expires.
B) Within the policy period.
C) At any time, regardless of policy dates.
D) Within one year after the policy ends.
11. Which of the following is NOT a valid ground to deny a
workers’ compensation claim?
A) Injury while intoxicated.
B) Injury while willfully intending to harm oneself.
C) Injury while being trained for a hazardous job.
D) Injury due to failure to use a safety appliance.
12. Under Vermont law, which injury would NOT qualify for
permanent total disability benefits?
A) Loss of both hands.
B) Severe brain damage leaving the worker permanently
bedridden.
, C) Severely broken arm that can heal completely.
D) Loss of both legs.
13. Dependent children of a worker killed on the job receive
income benefits until:
A) Age 18.
B) Age 21.
C) Age 18, or longer if still in an accredited school.
D) Age 23.
14. The premium for a standard workers’ compensation policy
is based primarily on:
A) Gross sales.
B) Number of employees.
C) Payroll.
D) Industry classification alone.
15. An employee is severely injured operating a machine
known to be defective. The spouse sues the employer for loss
of consortium. Which part of a standard workers’
compensation policy responds?
A) Part One – Workers’ Compensation Insurance.
B) Part Two – Employers Liability Insurance.
C) Part Three – Other States Insurance.
D) Part Four – Your Duties If Injury Occurs.
16. A person who willfully makes a false statement to obtain
workers’ compensation benefits may be assessed a penalty of:
A) $500.
B) $1,000.
C) $2,500.
D) $5,000.
EXAMINATION FOR WORKERS'
COMPENSATION INSURANCE (2026
SERIES): PRACTICE QUESTIONS &
ANSWERS
1. Under Vermont workers’ compensation law, an injury is
compensable only if it:
A) Occurs outside the workplace.
B) Arises out of and in the course of employment.
C) Is reported within 30 days.
D) Results in permanent disability.
2. Which benefit covers all necessary medical treatment
related to a workplace injury?
A) Temporary disability benefit.
B) Vocational rehabilitation benefit.
C) Medical benefit.
D) Wage replacement benefit.
3. Temporary Total Disability (TTD) benefits are paid when:
A) The worker is partially disabled but still working.
B) The worker cannot work at all during recovery.
C) The worker resigns from employment.
D) The worker reaches retirement age.
,4. Who is responsible for filing the First Report of Injury in
Vermont?
A) Employee.
B) Employer.
C) Insurance broker.
D) Physician.
5. How many days must an employer or insurer wait before
wage-replacement benefits begin?
A) 1 day.
B) 3 days.
C) 7 days.
D) 14 days.
6. Which state agency administers Vermont’s workers’
compensation system?
A) Vermont Department of Financial Regulation.
B) Vermont Department of Labor.
C) Vermont Workers’ Compensation Board.
D) Vermont Department of Health.
7. An employee in Vermont contracts a disease because of
employment. By what deadline must a claim be filed?
A) One year from the last exposure.
B) Two years from the discovery of the disease.
C) Three years from the last day of employment.
D) Six months from diagnosis.
8. After receiving notice of a claim, how many days does the
employer/insurer have to determine whether compensation is
due?
A) 14 days.
,B) 21 days.
C) 30 days.
D) 45 days.
9. Which workers are covered by the Federal Employers
Liability Act (FELA) of 1908?
A) Maritime workers.
B) Railroad employees.
C) Federal government employees.
D) Agricultural workers.
10. To be covered under a standard workers’ compensation
policy, the last exposure to conditions causing an
occupational disease must occur:
A) Within 30 days before the policy expires.
B) Within the policy period.
C) At any time, regardless of policy dates.
D) Within one year after the policy ends.
11. Which of the following is NOT a valid ground to deny a
workers’ compensation claim?
A) Injury while intoxicated.
B) Injury while willfully intending to harm oneself.
C) Injury while being trained for a hazardous job.
D) Injury due to failure to use a safety appliance.
12. Under Vermont law, which injury would NOT qualify for
permanent total disability benefits?
A) Loss of both hands.
B) Severe brain damage leaving the worker permanently
bedridden.
, C) Severely broken arm that can heal completely.
D) Loss of both legs.
13. Dependent children of a worker killed on the job receive
income benefits until:
A) Age 18.
B) Age 21.
C) Age 18, or longer if still in an accredited school.
D) Age 23.
14. The premium for a standard workers’ compensation policy
is based primarily on:
A) Gross sales.
B) Number of employees.
C) Payroll.
D) Industry classification alone.
15. An employee is severely injured operating a machine
known to be defective. The spouse sues the employer for loss
of consortium. Which part of a standard workers’
compensation policy responds?
A) Part One – Workers’ Compensation Insurance.
B) Part Two – Employers Liability Insurance.
C) Part Three – Other States Insurance.
D) Part Four – Your Duties If Injury Occurs.
16. A person who willfully makes a false statement to obtain
workers’ compensation benefits may be assessed a penalty of:
A) $500.
B) $1,000.
C) $2,500.
D) $5,000.
