AINS 23 - Chapter 9
Explain the basic requirements for an injury or a disease to be covered for workers compensation
benefits. - Answer-To be covered under a workers compensation statute, an injury or a disease must (in
most states) arise out of and in the course of employment. That is, the injury or disease must be casually
related to the employment and occur while the employee is engaged in work-related activities.
Briefly explain the types of benefits included under medical benefits. - Answer-In most instances, the
workers compensation law provides full and unlimited medical expense benefits for a covered injury or
disease. These benefits include medical, hospital, surgical, and other related medical care costs,
including physical therapy and prosthetic devices.
Briefly explain the types of benefits included under disability income benefits. - Answer-Subject to a
waiting period deductible, compensation for wage loss for a temporary partial disability, a permanent
partial disability, or a permanent total disability is
Briefly explain the types of benefits included under rehabilitation benefits. - Answer-The primary
rehabilitation benefit required is the payment of expenses for complete medical treatment and medical
rehabilitation. Vocational rehabilitation may also be required by law.
Briefly explain the types of benefits included under death benefits. - Answer-Death benefits include a
flat amount for burial expense and partial replacement of the worker's former weekly wage.
, Identify the employees and the types of employment that are frequently excluded from state workers
compensation statutes. - Answer-The statutes of some states exempt employees with fewer than a
stipulated number of employees, and many statutes specifically exclude certain employments such as
farm labor, domestic workers, and casual employees. (A casual employee is one hired for only a short
period, usually to accomplish a particular task.) Some employees are excluded because alternate plans
are provided for them. For example, federal statutes govern the rights of various classes of employees
to recover benefits or damages from their employers for occupational injury or disease. Examples of
such classes of employees are federal government workers, maritime workers, and interstate railroad
workers.
Why is it important for a principal to verify that its independent contractors carry valid workers
compensation insurance on their employees? - Answer-It is important for a principal to verify that its
independent contractors carry valid workers compensation insurance on their employees because if an
independent contractor does not carry workers compensation insurance on its employees, the principal
for whom the independent contractor is working may be held responsible for providing workers
compensation to employees of the independent contractor.
Workers compensation statute - Answer-A statute that obligates employers, regardless of fault, to pay
specified medical, disability, rehabilitation, and death benefits for their employees' job-related injuries
and diseases.
Occupational disease - Answer-Disease thought to be caused by work or the work environment.
Temporary partial disability (TPD) - Answer-A disability caused by a work-related injury or disease that
temporarily limits the extent to which a worker can perform job duties; the worker is eventually able to
return to full duties and hours.
Temporary total disability (TTD) - Answer-A disability caused by a work-related injury or disease that
temporarily renders an injured worker unable to perform any job duties for a period of time.
Employee - Answer-A person hired to perform services for another under the direction and control of
the other party, called the employer.
Explain the basic requirements for an injury or a disease to be covered for workers compensation
benefits. - Answer-To be covered under a workers compensation statute, an injury or a disease must (in
most states) arise out of and in the course of employment. That is, the injury or disease must be casually
related to the employment and occur while the employee is engaged in work-related activities.
Briefly explain the types of benefits included under medical benefits. - Answer-In most instances, the
workers compensation law provides full and unlimited medical expense benefits for a covered injury or
disease. These benefits include medical, hospital, surgical, and other related medical care costs,
including physical therapy and prosthetic devices.
Briefly explain the types of benefits included under disability income benefits. - Answer-Subject to a
waiting period deductible, compensation for wage loss for a temporary partial disability, a permanent
partial disability, or a permanent total disability is
Briefly explain the types of benefits included under rehabilitation benefits. - Answer-The primary
rehabilitation benefit required is the payment of expenses for complete medical treatment and medical
rehabilitation. Vocational rehabilitation may also be required by law.
Briefly explain the types of benefits included under death benefits. - Answer-Death benefits include a
flat amount for burial expense and partial replacement of the worker's former weekly wage.
, Identify the employees and the types of employment that are frequently excluded from state workers
compensation statutes. - Answer-The statutes of some states exempt employees with fewer than a
stipulated number of employees, and many statutes specifically exclude certain employments such as
farm labor, domestic workers, and casual employees. (A casual employee is one hired for only a short
period, usually to accomplish a particular task.) Some employees are excluded because alternate plans
are provided for them. For example, federal statutes govern the rights of various classes of employees
to recover benefits or damages from their employers for occupational injury or disease. Examples of
such classes of employees are federal government workers, maritime workers, and interstate railroad
workers.
Why is it important for a principal to verify that its independent contractors carry valid workers
compensation insurance on their employees? - Answer-It is important for a principal to verify that its
independent contractors carry valid workers compensation insurance on their employees because if an
independent contractor does not carry workers compensation insurance on its employees, the principal
for whom the independent contractor is working may be held responsible for providing workers
compensation to employees of the independent contractor.
Workers compensation statute - Answer-A statute that obligates employers, regardless of fault, to pay
specified medical, disability, rehabilitation, and death benefits for their employees' job-related injuries
and diseases.
Occupational disease - Answer-Disease thought to be caused by work or the work environment.
Temporary partial disability (TPD) - Answer-A disability caused by a work-related injury or disease that
temporarily limits the extent to which a worker can perform job duties; the worker is eventually able to
return to full duties and hours.
Temporary total disability (TTD) - Answer-A disability caused by a work-related injury or disease that
temporarily renders an injured worker unable to perform any job duties for a period of time.
Employee - Answer-A person hired to perform services for another under the direction and control of
the other party, called the employer.
