Workers Compensation Exam
Question & Answers ( Latest 2025 )
Workers' compensation laws are _____________ in every
state. - CORRECT ANSWERS ✔✔Compulsory
Compulsory - CORRECT ANSWERS ✔✔Employers are
required to comply with state workers' compensation laws
and must purchase a workers' compensation insurance
policy
Employers in ___________ states have the option to enroll
in the workers' compensation system and may elect NOT
to purchase a workers' compensation insurance policy -
CORRECT ANSWERS ✔✔Elective
(Texas is the only elective state)
Policy Providers - CORRECT ANSWERS ✔✔- In most
states, employers have the ability to purchase a workers'
compensation insurance policy from a variety of providers
- Policy providers include competitive state funds (state-
run insurance companies), private insurance companies,
and, in some states, self-insurance (employers' insurance
themselves)
Monopolistic states... - CORRECT ANSWERS ✔✔do
not allow for various options as their state laws require
employers to purchase a worker's compensation policy
,Workers Compensation Exam
Question & Answers ( Latest 2025 )
strictly from the state fund. Typically, the state fund
policies do not include employers' liability coverage and a
stop gap endorsement must be purchased to remove the
coverage gap.
(North Dakota, Ohio, Washington and Wyoming are
monopolistic states)
Workers' compensation is consider a ______________
coverage - CORRECT ANSWERS ✔✔"no-fault"
"No-fault" coverage - CORRECT ANSWERS ✔✔An
injured worker does not have to prove the employer was
at fault for the injury in order to qualify for coverage.
- In exchange for this, the injured employee gives up the
right to sue their employer for damages (as declared by
the exclusive remedy provision)
Workers' compensation coverage consists of three parts: -
CORRECT ANSWERS ✔✔1. Part One: Workers'
Compensation
2. Part Two: Employers' Liability
3. Part Three: Other-States
,Workers Compensation Exam
Question & Answers ( Latest 2025 )
Part One: Workers' Compensation Coverage - CORRECT
ANSWERS ✔✔Provides benefits to employees who are
injured or sickened as a result of their employment
(Workers' Compensation Coverage) There are four types
of benefits employees can receive - CORRECT
ANSWERS ✔✔1. Medical Expenses (Medical costs to
treat the injured or ill employee)
2. Disability Income (If the covered injured or ill employee
experiences a loss of income, lost wage benefits are paid
for)
3. Rehabilitation Expenses (Physical rehabilitation costs
and any associated expenses incurred by the injured or ill
employee)
4. Death Benefits (Funeral expenses and income stipends
for the eligible dependents are paid for should an
employee's death occur due to employment)
Part Two: Employers' Liability Coverage - CORRECT
ANSWERS ✔✔Protects the employer in the event an
employee makes a claim against them for an injury or
illness that is NOT COVERED by workers' compensation
laws
, Workers Compensation Exam
Question & Answers ( Latest 2025 )
Dual Capacity - CORRECT ANSWERS ✔✔An injured
employee, after filing and receiving benefits for a
workers' compensation claim, also sues their employer
for actions other than as an employer.
- Most often seen as a products liability claim against a
manufacturer who is also the employer
Consequential Bodily Injury - CORRECT ANSWERS
✔✔An employee filed a claim against their employer as
one of their family members was injured or became ill
due to the employee's working conditions
Care and Loss of Services (AKA "loss of consortium") -
CORRECT ANSWERS ✔✔An injured worker files a
claim against their employer as they are unable to
perform certain home or childcare duties as a result of a
workplace injury or illness
Third Party Over - CORRECT ANSWERS ✔✔A workers'
compensation claim is the sole remedy available for an
employee injured within the scope of employment.
However, in certain situations, the employer may be held
liable for additional damages. These are called "Third
Party Over" or "Negligence" actions
Question & Answers ( Latest 2025 )
Workers' compensation laws are _____________ in every
state. - CORRECT ANSWERS ✔✔Compulsory
Compulsory - CORRECT ANSWERS ✔✔Employers are
required to comply with state workers' compensation laws
and must purchase a workers' compensation insurance
policy
Employers in ___________ states have the option to enroll
in the workers' compensation system and may elect NOT
to purchase a workers' compensation insurance policy -
CORRECT ANSWERS ✔✔Elective
(Texas is the only elective state)
Policy Providers - CORRECT ANSWERS ✔✔- In most
states, employers have the ability to purchase a workers'
compensation insurance policy from a variety of providers
- Policy providers include competitive state funds (state-
run insurance companies), private insurance companies,
and, in some states, self-insurance (employers' insurance
themselves)
Monopolistic states... - CORRECT ANSWERS ✔✔do
not allow for various options as their state laws require
employers to purchase a worker's compensation policy
,Workers Compensation Exam
Question & Answers ( Latest 2025 )
strictly from the state fund. Typically, the state fund
policies do not include employers' liability coverage and a
stop gap endorsement must be purchased to remove the
coverage gap.
(North Dakota, Ohio, Washington and Wyoming are
monopolistic states)
Workers' compensation is consider a ______________
coverage - CORRECT ANSWERS ✔✔"no-fault"
"No-fault" coverage - CORRECT ANSWERS ✔✔An
injured worker does not have to prove the employer was
at fault for the injury in order to qualify for coverage.
- In exchange for this, the injured employee gives up the
right to sue their employer for damages (as declared by
the exclusive remedy provision)
Workers' compensation coverage consists of three parts: -
CORRECT ANSWERS ✔✔1. Part One: Workers'
Compensation
2. Part Two: Employers' Liability
3. Part Three: Other-States
,Workers Compensation Exam
Question & Answers ( Latest 2025 )
Part One: Workers' Compensation Coverage - CORRECT
ANSWERS ✔✔Provides benefits to employees who are
injured or sickened as a result of their employment
(Workers' Compensation Coverage) There are four types
of benefits employees can receive - CORRECT
ANSWERS ✔✔1. Medical Expenses (Medical costs to
treat the injured or ill employee)
2. Disability Income (If the covered injured or ill employee
experiences a loss of income, lost wage benefits are paid
for)
3. Rehabilitation Expenses (Physical rehabilitation costs
and any associated expenses incurred by the injured or ill
employee)
4. Death Benefits (Funeral expenses and income stipends
for the eligible dependents are paid for should an
employee's death occur due to employment)
Part Two: Employers' Liability Coverage - CORRECT
ANSWERS ✔✔Protects the employer in the event an
employee makes a claim against them for an injury or
illness that is NOT COVERED by workers' compensation
laws
, Workers Compensation Exam
Question & Answers ( Latest 2025 )
Dual Capacity - CORRECT ANSWERS ✔✔An injured
employee, after filing and receiving benefits for a
workers' compensation claim, also sues their employer
for actions other than as an employer.
- Most often seen as a products liability claim against a
manufacturer who is also the employer
Consequential Bodily Injury - CORRECT ANSWERS
✔✔An employee filed a claim against their employer as
one of their family members was injured or became ill
due to the employee's working conditions
Care and Loss of Services (AKA "loss of consortium") -
CORRECT ANSWERS ✔✔An injured worker files a
claim against their employer as they are unable to
perform certain home or childcare duties as a result of a
workplace injury or illness
Third Party Over - CORRECT ANSWERS ✔✔A workers'
compensation claim is the sole remedy available for an
employee injured within the scope of employment.
However, in certain situations, the employer may be held
liable for additional damages. These are called "Third
Party Over" or "Negligence" actions
