Adjuster License Practice Test #1 2025
Questions and Answers
520 weeks of PPD benefits eligibility - ANSWER-When an injured worker has a
permanent disability rating greater than 50%
Railroad worker coverage - ANSWER-Covered by Federal Employers Liability Act
(FELA)
Contributory negligence state damages - ANSWER-0%
Comparative negligence state damages - ANSWER-100%
Reasons for denial - ANSWER-Contributory Negligence
Part 1 (A) of the policy - ANSWER-Indemnity and medical benefits for
compensable work related injuries
Cumulative trauma claims statute of limitations - ANSWER-2 years have passed
since the physician has told them it is work related or two years following the
suspension of payments
Widow and dependents benefits - ANSWER-Stop
COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 1
, Competitive state workers' compensation insurance - ANSWER-Either A or B (A
private insurance company or a state fund)
Permanent total disability (PTD) definition - ANSWER-The condition of an
employee who has not reached a level of improvement that would allow a return to
work and has not reached MMI
Permanent total disability benefits reduction scenario - ANSWER-The IW reaches
old age social security
Premium information location in the policy - ANSWER-Part 1
PPD weekly benefit limit - ANSWER-99% of 66 2/3%
Dependent benefits scenario - ANSWER-They continue to age 22 if the child is
enrolled in school
Jones Act vs. USL&H claims difference - ANSWER-One covers masters and
members of the crew of ships and the other covers people who do repair work on
the ships/work on the docks and shore of navigable waterways
Occupational disease (OD) claims statute of limitations - ANSWER-Three years
from the date of last exposure
Adjusters' license age requirement - ANSWER-18
Social Security and workers' comp benefits limit - ANSWER-80%
COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 2
Questions and Answers
520 weeks of PPD benefits eligibility - ANSWER-When an injured worker has a
permanent disability rating greater than 50%
Railroad worker coverage - ANSWER-Covered by Federal Employers Liability Act
(FELA)
Contributory negligence state damages - ANSWER-0%
Comparative negligence state damages - ANSWER-100%
Reasons for denial - ANSWER-Contributory Negligence
Part 1 (A) of the policy - ANSWER-Indemnity and medical benefits for
compensable work related injuries
Cumulative trauma claims statute of limitations - ANSWER-2 years have passed
since the physician has told them it is work related or two years following the
suspension of payments
Widow and dependents benefits - ANSWER-Stop
COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 1
, Competitive state workers' compensation insurance - ANSWER-Either A or B (A
private insurance company or a state fund)
Permanent total disability (PTD) definition - ANSWER-The condition of an
employee who has not reached a level of improvement that would allow a return to
work and has not reached MMI
Permanent total disability benefits reduction scenario - ANSWER-The IW reaches
old age social security
Premium information location in the policy - ANSWER-Part 1
PPD weekly benefit limit - ANSWER-99% of 66 2/3%
Dependent benefits scenario - ANSWER-They continue to age 22 if the child is
enrolled in school
Jones Act vs. USL&H claims difference - ANSWER-One covers masters and
members of the crew of ships and the other covers people who do repair work on
the ships/work on the docks and shore of navigable waterways
Occupational disease (OD) claims statute of limitations - ANSWER-Three years
from the date of last exposure
Adjusters' license age requirement - ANSWER-18
Social Security and workers' comp benefits limit - ANSWER-80%
COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 2
