CA SIP EXAM TEST RIGHT II 2026 STATE
INSURANCE PRACTICE TEST PAPER
QUESTIONS SOLUTIONS GRADED A+
◉ What is the rating for a 40 year old forester with an elbow injury
resulting in loss of motion and a 50% upper extremity impairment?
A. 25% B. 28% C. 31% D. 40%.
Answer: C. 31% 16.03.01.00-30%-{2}34-213E-31-31%
◉ A 47 year old actor has a chemical burn to an upper extremity
producing a cosmetic disfigurment resulting in a 5% WPI. What is
the rating? A. 0% B. 5% C. 11% D. 13%.
Answer: D. 13% 08.01.00.00-5%-{2}6-210J-11-13%
◉ A 27 year old chemist has a chemical burn to the eyes in 2010
producing a 14%whole person impairment. What is the rating? A.
14% B. 15% C. 19% D. 21%.
Answer: C. 19% 12.01.00.00-14%-{1}15-212i-21-19%
◉ A 100% upper extremity impairment is what percentage of a
whole person impairment? A. 20% B. 50% C. 60% D. 75%.
Answer: C. 60% (page 1-3 in 2005 PD schedule)
,◉ For an injury in 2005 what is the maximum permissable add-on
for subjectives? A. None. B. 3% C. 5% D. Whatever is called for by the
examining physician.
Answer: B. 3% (Page 1-12 in 2005 PD schedule)
◉ In 2004 an employee becomes permanent and stationary for a
bilateral loss of vision injury. How is the disability rated? A. Ratings
are based on vision with best practicable correction. B. Whichever
eye rates highest is used. C. Ratings are based on uncorrected vision.
D. The standard rating shall be based on disability found under
reduction of vision plus 1/2 the difference between disabilities 2.4
and 2.3..
Answer: A. Ratings are based on vision with best practiable
correction
◉ Under AMA Guides apportionment is based on? A. Causation B.
Medical report of treating physician C. Pre-existing disability D.
Informal rating.
Answer: A. Causation
◉ What is the rating for immobility of the hip where the arc of
motion is 0 - 60 degreeS? A. 10% B. 23% C. 30% D. 40%.
Answer: B. 23%
,◉ When both instability and thigh atrophy are present what is the
rating? A. The rating for the instability. B. The rating for thigh
atrophy. C. All of the rating for the greatest disability And
approximately one half of the lesser disability. D. The disability
producing the greater rating only..
Answer: D. The disability producing the greater rating only.
◉ A cardiac condition results in preclusion from heavy lifting. What
is the scheduled rating? A. 10% B. 15% C. 20% D.25%.
Answer: C. 20%
◉ In 2004 the employee has an injury to the knee. There is no loss of
motion, no instability and no thigh atrophy. The employee has to
wear a stretch knee brace. What is the standard rating? A. 0% B. 7%
C. 10% D. 15%.
Answer: C. 10%
◉ An employee's husband comes to where she works and shoots her
as a result of a marital dispute. The injury is: A. Not compensable
because it did not arise out of employment. B. Not compensable
because it did not occur in the course of employment. C.
Compensable because ti arose out of the employment. D.
Compensablle because it occurred in the course of employment..
Answer: A
, ◉ An employee whose diabetes is out of control punches out at 3
pm, before leaving the company parking lot, he faints and fallls
fracturing his elbow. You should: A. Pay for the treatment for the
fracture and pay for the treatment for the diabetes so that the
fracture can heal. B. Pay for just the fracture. C. Deny the claim
ebcause it occurred after work. D. Deny the claim because it is not
work related..
Answer: A
◉ What is the role of the investigator assigned to pursue issues of
compensability. A. Determine all the facts. B. Determine proof of
claim being fraudulent. C. Determine compensability from all the
facts gathered. D. Determine if benefits are due to the injured
worker..
Answer: A
◉ An accountant took work home for an annual report. The
employee left work at the normally appointed hour and was not
reimbursed for mileage. The employee was injured in an auto
accident at an intersection one block from home and his supervisor
calls to tell you they found paperwork for the end of the year report
iin his briefcase in the car. You should: A. Accept as an exception to
the coming and going rule. B. Delay and investigate. C. Deny. D. Close
the file..
Answer: A
INSURANCE PRACTICE TEST PAPER
QUESTIONS SOLUTIONS GRADED A+
◉ What is the rating for a 40 year old forester with an elbow injury
resulting in loss of motion and a 50% upper extremity impairment?
A. 25% B. 28% C. 31% D. 40%.
Answer: C. 31% 16.03.01.00-30%-{2}34-213E-31-31%
◉ A 47 year old actor has a chemical burn to an upper extremity
producing a cosmetic disfigurment resulting in a 5% WPI. What is
the rating? A. 0% B. 5% C. 11% D. 13%.
Answer: D. 13% 08.01.00.00-5%-{2}6-210J-11-13%
◉ A 27 year old chemist has a chemical burn to the eyes in 2010
producing a 14%whole person impairment. What is the rating? A.
14% B. 15% C. 19% D. 21%.
Answer: C. 19% 12.01.00.00-14%-{1}15-212i-21-19%
◉ A 100% upper extremity impairment is what percentage of a
whole person impairment? A. 20% B. 50% C. 60% D. 75%.
Answer: C. 60% (page 1-3 in 2005 PD schedule)
,◉ For an injury in 2005 what is the maximum permissable add-on
for subjectives? A. None. B. 3% C. 5% D. Whatever is called for by the
examining physician.
Answer: B. 3% (Page 1-12 in 2005 PD schedule)
◉ In 2004 an employee becomes permanent and stationary for a
bilateral loss of vision injury. How is the disability rated? A. Ratings
are based on vision with best practicable correction. B. Whichever
eye rates highest is used. C. Ratings are based on uncorrected vision.
D. The standard rating shall be based on disability found under
reduction of vision plus 1/2 the difference between disabilities 2.4
and 2.3..
Answer: A. Ratings are based on vision with best practiable
correction
◉ Under AMA Guides apportionment is based on? A. Causation B.
Medical report of treating physician C. Pre-existing disability D.
Informal rating.
Answer: A. Causation
◉ What is the rating for immobility of the hip where the arc of
motion is 0 - 60 degreeS? A. 10% B. 23% C. 30% D. 40%.
Answer: B. 23%
,◉ When both instability and thigh atrophy are present what is the
rating? A. The rating for the instability. B. The rating for thigh
atrophy. C. All of the rating for the greatest disability And
approximately one half of the lesser disability. D. The disability
producing the greater rating only..
Answer: D. The disability producing the greater rating only.
◉ A cardiac condition results in preclusion from heavy lifting. What
is the scheduled rating? A. 10% B. 15% C. 20% D.25%.
Answer: C. 20%
◉ In 2004 the employee has an injury to the knee. There is no loss of
motion, no instability and no thigh atrophy. The employee has to
wear a stretch knee brace. What is the standard rating? A. 0% B. 7%
C. 10% D. 15%.
Answer: C. 10%
◉ An employee's husband comes to where she works and shoots her
as a result of a marital dispute. The injury is: A. Not compensable
because it did not arise out of employment. B. Not compensable
because it did not occur in the course of employment. C.
Compensable because ti arose out of the employment. D.
Compensablle because it occurred in the course of employment..
Answer: A
, ◉ An employee whose diabetes is out of control punches out at 3
pm, before leaving the company parking lot, he faints and fallls
fracturing his elbow. You should: A. Pay for the treatment for the
fracture and pay for the treatment for the diabetes so that the
fracture can heal. B. Pay for just the fracture. C. Deny the claim
ebcause it occurred after work. D. Deny the claim because it is not
work related..
Answer: A
◉ What is the role of the investigator assigned to pursue issues of
compensability. A. Determine all the facts. B. Determine proof of
claim being fraudulent. C. Determine compensability from all the
facts gathered. D. Determine if benefits are due to the injured
worker..
Answer: A
◉ An accountant took work home for an annual report. The
employee left work at the normally appointed hour and was not
reimbursed for mileage. The employee was injured in an auto
accident at an intersection one block from home and his supervisor
calls to tell you they found paperwork for the end of the year report
iin his briefcase in the car. You should: A. Accept as an exception to
the coming and going rule. B. Delay and investigate. C. Deny. D. Close
the file..
Answer: A
