WORKERS COMPENSATION INSURANCE
SERIES EXAMINATION TEST 2026
◉ In Vermont, the employer/insurer has how many days from
receiving notice of a claim to determine whether
any compensation is due an injured employee? Answer: 21 Days
◉ Which of the following workers are covered by the FELA Act of
1908? Answer: Railroad employees
◉ To be covered under a standard workers compensation policy, the
last exposure to the conditions causing bodily injury by disease must
occur: Answer: Within the policy period
◉ A workers compensation claim may be denied for all of the
following except? Answer: Injured while being trained for a
hazardous job
◉ Under Vermont's workers compensation laws, which of the
following injuries would not qualify for permanent total disability
benefits? Answer: A severely broken arm that can heal.
,◉ Dependent children of a worker killed on the job will receive
income benefits: Answer: Until age 18 or longer if still in an
accredited school
◉ The premium charged for a standard workers compensation
policy is based primarily on a company's: Answer: Payroll
◉ An employee suffered a severe injury while operating a piece of
machinery known to be in need of repair. Unfamiliar with the
workers compensation law, the spouse sued the employer, claiming
loss of consortium. What coverage if any in a standard workers
compensation policy would respond to this lawsuit? Answer:
Employers liability coverage
◉ A person who willfully makes a false statement or representation
for the purpose of obtaining any workers compensation benefit or
payment either for her or himself or another shall be assessed a
penalty of: Answer: $1,000
◉ All states' workers compensation laws provide which benefits in
the case of worker injury? Answer: Medical expenses without limits
Disability/loss of wages
◉ An insurance carrier who does not intend to renew a policy of
workers compensation insurance covering the liability of an
,employer in Vermont must notify the commissioner and the
employer at least how long prior to the expiration of such policy?
Answer: 45 days
◉ Which of the following statements about workers compensation
laws is correct?
A: The scope of coverage is identical in all states
B: Every state provides "extraterritorial" coverage for residents
working in another state
C: Limited benefits are provided for non-economic damages such as
pain and suffering
D: The benefits provided under the law are typically the exclusive
remedy for injured employees Answer: D: The benefits provided
under the law are typically the exclusive remedy for injured
employees
◉ An employer who fails to provide workers compensation
insurance shall be assessed a penalty of how much per day for every
day that the employer neglected to insure workers compensation
liability prior to receiving notice from the commissioner, but not to
exceed how much? Answer: $50 / $5,000
◉ When do benefits under Vermont's workers compensation law
begin for a temporary partial disability? Answer: Benefits begin after
the third day
, ◉ If a worker, covered under workers compensation coverage in
Vermont, sustains a work related fatality, what will the death and
survivor benefit be for the employee's surviving spouse and two or
more children? Answer: 76 2/3% of the employee's average weekly
income
**Spouse and 1 dependent is 71 2/3%
Spouse and 0 dependent is 66 2/3%
◉ Which of the following is NOT used to determine wages?
A: The total household income
B: Bonuses
C: Paid vacation
D: Average of last 12 weeks of wages Answer: A: The total household
income
◉ In most states, workers compensation coverage is available
through Answer: Private insurers or self-insurance
◉ The adjuster is a fiduciary agent. As a fiduciary agent of the
principal (the insurer), the adjuster should: Answer: Act with a high
degree of fidelity and loyalty to the interests of the principal
SERIES EXAMINATION TEST 2026
◉ In Vermont, the employer/insurer has how many days from
receiving notice of a claim to determine whether
any compensation is due an injured employee? Answer: 21 Days
◉ Which of the following workers are covered by the FELA Act of
1908? Answer: Railroad employees
◉ To be covered under a standard workers compensation policy, the
last exposure to the conditions causing bodily injury by disease must
occur: Answer: Within the policy period
◉ A workers compensation claim may be denied for all of the
following except? Answer: Injured while being trained for a
hazardous job
◉ Under Vermont's workers compensation laws, which of the
following injuries would not qualify for permanent total disability
benefits? Answer: A severely broken arm that can heal.
,◉ Dependent children of a worker killed on the job will receive
income benefits: Answer: Until age 18 or longer if still in an
accredited school
◉ The premium charged for a standard workers compensation
policy is based primarily on a company's: Answer: Payroll
◉ An employee suffered a severe injury while operating a piece of
machinery known to be in need of repair. Unfamiliar with the
workers compensation law, the spouse sued the employer, claiming
loss of consortium. What coverage if any in a standard workers
compensation policy would respond to this lawsuit? Answer:
Employers liability coverage
◉ A person who willfully makes a false statement or representation
for the purpose of obtaining any workers compensation benefit or
payment either for her or himself or another shall be assessed a
penalty of: Answer: $1,000
◉ All states' workers compensation laws provide which benefits in
the case of worker injury? Answer: Medical expenses without limits
Disability/loss of wages
◉ An insurance carrier who does not intend to renew a policy of
workers compensation insurance covering the liability of an
,employer in Vermont must notify the commissioner and the
employer at least how long prior to the expiration of such policy?
Answer: 45 days
◉ Which of the following statements about workers compensation
laws is correct?
A: The scope of coverage is identical in all states
B: Every state provides "extraterritorial" coverage for residents
working in another state
C: Limited benefits are provided for non-economic damages such as
pain and suffering
D: The benefits provided under the law are typically the exclusive
remedy for injured employees Answer: D: The benefits provided
under the law are typically the exclusive remedy for injured
employees
◉ An employer who fails to provide workers compensation
insurance shall be assessed a penalty of how much per day for every
day that the employer neglected to insure workers compensation
liability prior to receiving notice from the commissioner, but not to
exceed how much? Answer: $50 / $5,000
◉ When do benefits under Vermont's workers compensation law
begin for a temporary partial disability? Answer: Benefits begin after
the third day
, ◉ If a worker, covered under workers compensation coverage in
Vermont, sustains a work related fatality, what will the death and
survivor benefit be for the employee's surviving spouse and two or
more children? Answer: 76 2/3% of the employee's average weekly
income
**Spouse and 1 dependent is 71 2/3%
Spouse and 0 dependent is 66 2/3%
◉ Which of the following is NOT used to determine wages?
A: The total household income
B: Bonuses
C: Paid vacation
D: Average of last 12 weeks of wages Answer: A: The total household
income
◉ In most states, workers compensation coverage is available
through Answer: Private insurers or self-insurance
◉ The adjuster is a fiduciary agent. As a fiduciary agent of the
principal (the insurer), the adjuster should: Answer: Act with a high
degree of fidelity and loyalty to the interests of the principal
