QME EXAM COMPREHENSIVE TEST PAPER
2026 QUESTIONS WITH ANSWERS GRADED
A+
⫸ 1. NO FAULT
2. EXCLUSIVE REMEDY
3. ASSURED FIXED BENEFIT Answer: WHAT ARE THE 3
COMPONENTS OF THE WORK COMP SYSTEM
⫸ e employer is required to pay benefits no matter who caused the
injury, as long as the injury arose out of or occurred in the course of
employment. Answer: NO FAULT
⫸ less the employer is uninsured, the worker cannot pursue other forms
of recovery from the employer, even if the employer was grossly
negligent. Answer: EXCLUSIVE REMEDY
⫸ The workers' compensation system establishes defined benefits,
which must be paid for by the employer. Workers' compensation awards
are typically far less than comparable negligence awards in a civil suit.
For example, although the maximum workers' compensation death
benefit may be far less than the possible award in a civil wrongful death
suit, a civil action may take years to resolve while a death claim can be
re-solved in as little as a few months. Additional recoveries are available
to employees for an employer's serious and willful misconduct and
unlawful discrimination (Labor Code § 132a and § 4553). Although
group health coverage may include arbitrary limits on the extent of
, treatment covered, workers' compensation is a statutory benefit with no
arbitrary limits on the frequency, duration, or extent of services. Answer:
ASSURED AND FIXED BENEFIT
⫸ deliberately self-inflicted injuries are excluded from coverage
Answer: WHAT TYPE OF INJYURIES ARE EXCLUDED
⫸ For injuries that result from the serious and willful misconduct of the
employer, the employee's compensation is increased by half Answer:
WHAT HAPPENS IF THE INJURY IS DUE TO SERIOUS
MISCONDUCT OF THE EMPLOYER?
⫸ For injuries that result from the serious and willful misconduct of the
injured employee, benefits are reduced by half, unless the injury resulted
in death or a per-manent disability of 70% or more; the injury resulted
from failure of the employer to comply with the law or safety and health
regulations; or the employee was under 16 years old at the time of in-
jury Answer: WHAT HAPPENS IF THE INJURY IS DUE TO
SERIOUS MISCONDUCT OF THE EMPLOYEE?
⫸ measures were enacted that allowed employers (1) to establish
medical pro-vider networks—from which injured workers are required
to select treating doctors, (2) to conduct utilization review to ensure that
medical care was consistent with evidence-based guidelines, and (3) to
limit the amount of physical therapy and chiropractic treatment. These
measures also affect-ed permanent disability ratings and benefit
payments to injured workers. An evidence-based medi-cal treatment
utilization schedule (MTUS), or set of guidelines, was also adopted.
Answer: WHAT MEASURES WERE ENACTED IN 2003 AND 2004
2026 QUESTIONS WITH ANSWERS GRADED
A+
⫸ 1. NO FAULT
2. EXCLUSIVE REMEDY
3. ASSURED FIXED BENEFIT Answer: WHAT ARE THE 3
COMPONENTS OF THE WORK COMP SYSTEM
⫸ e employer is required to pay benefits no matter who caused the
injury, as long as the injury arose out of or occurred in the course of
employment. Answer: NO FAULT
⫸ less the employer is uninsured, the worker cannot pursue other forms
of recovery from the employer, even if the employer was grossly
negligent. Answer: EXCLUSIVE REMEDY
⫸ The workers' compensation system establishes defined benefits,
which must be paid for by the employer. Workers' compensation awards
are typically far less than comparable negligence awards in a civil suit.
For example, although the maximum workers' compensation death
benefit may be far less than the possible award in a civil wrongful death
suit, a civil action may take years to resolve while a death claim can be
re-solved in as little as a few months. Additional recoveries are available
to employees for an employer's serious and willful misconduct and
unlawful discrimination (Labor Code § 132a and § 4553). Although
group health coverage may include arbitrary limits on the extent of
, treatment covered, workers' compensation is a statutory benefit with no
arbitrary limits on the frequency, duration, or extent of services. Answer:
ASSURED AND FIXED BENEFIT
⫸ deliberately self-inflicted injuries are excluded from coverage
Answer: WHAT TYPE OF INJYURIES ARE EXCLUDED
⫸ For injuries that result from the serious and willful misconduct of the
employer, the employee's compensation is increased by half Answer:
WHAT HAPPENS IF THE INJURY IS DUE TO SERIOUS
MISCONDUCT OF THE EMPLOYER?
⫸ For injuries that result from the serious and willful misconduct of the
injured employee, benefits are reduced by half, unless the injury resulted
in death or a per-manent disability of 70% or more; the injury resulted
from failure of the employer to comply with the law or safety and health
regulations; or the employee was under 16 years old at the time of in-
jury Answer: WHAT HAPPENS IF THE INJURY IS DUE TO
SERIOUS MISCONDUCT OF THE EMPLOYEE?
⫸ measures were enacted that allowed employers (1) to establish
medical pro-vider networks—from which injured workers are required
to select treating doctors, (2) to conduct utilization review to ensure that
medical care was consistent with evidence-based guidelines, and (3) to
limit the amount of physical therapy and chiropractic treatment. These
measures also affect-ed permanent disability ratings and benefit
payments to injured workers. An evidence-based medi-cal treatment
utilization schedule (MTUS), or set of guidelines, was also adopted.
Answer: WHAT MEASURES WERE ENACTED IN 2003 AND 2004
