RHODE ISLAND ADJUSTER'S
ACTUAL EXAM PAPER 2026 QUESTIONS
WITH ANSWERS GRADED A+
◍ True or False: in the absence of fraud, malice or bad faith, an insurer (or
agents and employees of the insurer) are subject to civil liability for
damages as a result of any statement, report or investigation made pursuant
to chapter 16.1.
Answer: False: no insurer or agent of the insurer is subject to civil liability
for damages as a result of any statement, report or investigation made
pursuant to chapter 16.1
◍ the weekly straight time earnings which an employee could have received if
the employee accepted an actual offer of suitable alternative employment.
Answer: Earnings Capacity
◍ waiting period.
Answer: 3 days, no retro
◍ General Employer.
Answer: temporary help companies and employee leasing companies
◍ Suitable Alternative Employement.
Answer: means employment or an actual offer ofemployment which the
employee is physically able to perform and will not exacerbatethe
employee's health condition and which bears a reasonable relationship to
theemployee's qualifications, background, education, and training
◍ $250.00 Penalty may be assessed for what?.
Answer: Failure to report or late reporting
◍ How long does the insurer have to either commence benefits (first pay) or
, advise the employee and the director that the benefits are controverted
(Denial).
Answer: 21 days
◍ Can report of earnings be used to delay payment.
Answer: No, they are sent periodically to IW. Helps prevent fraud
◍ Late first pay penalty.
Answer: increase by 10%
◍ What is considered part time?.
Answer: less than 20 hrs a week
◍ "Employee".
Answer: any person who has entered into the employment of or works under
contract of service or apprenticeship with any employer
◍ How many weeks of wages do you request for a seasonal employee.
Answer: 52 weeks prior calendar year
◍ Powers and duties of the insurance commissioner.
Answer: ability to rescind a license, promulgate rules and regulations,
investigate violators and administer penalties
◍ What protects a company if an IW says an injury was caused byemployer
negligence.
Answer: Employers liability coverage B
◍ If the insurer does not decide on a claim in 21 days and the IW successfully
petitions, the insurer pays an additional $____.
Answer: $50.00
◍ Can a minor be an eligible IW? How are they compensated.
Answer: Yes they can be eligible. Compensated triple if the minor is illegal
or under legal working age
◍ Fatality must be reported w/in.
Answer: 48 hours
ACTUAL EXAM PAPER 2026 QUESTIONS
WITH ANSWERS GRADED A+
◍ True or False: in the absence of fraud, malice or bad faith, an insurer (or
agents and employees of the insurer) are subject to civil liability for
damages as a result of any statement, report or investigation made pursuant
to chapter 16.1.
Answer: False: no insurer or agent of the insurer is subject to civil liability
for damages as a result of any statement, report or investigation made
pursuant to chapter 16.1
◍ the weekly straight time earnings which an employee could have received if
the employee accepted an actual offer of suitable alternative employment.
Answer: Earnings Capacity
◍ waiting period.
Answer: 3 days, no retro
◍ General Employer.
Answer: temporary help companies and employee leasing companies
◍ Suitable Alternative Employement.
Answer: means employment or an actual offer ofemployment which the
employee is physically able to perform and will not exacerbatethe
employee's health condition and which bears a reasonable relationship to
theemployee's qualifications, background, education, and training
◍ $250.00 Penalty may be assessed for what?.
Answer: Failure to report or late reporting
◍ How long does the insurer have to either commence benefits (first pay) or
, advise the employee and the director that the benefits are controverted
(Denial).
Answer: 21 days
◍ Can report of earnings be used to delay payment.
Answer: No, they are sent periodically to IW. Helps prevent fraud
◍ Late first pay penalty.
Answer: increase by 10%
◍ What is considered part time?.
Answer: less than 20 hrs a week
◍ "Employee".
Answer: any person who has entered into the employment of or works under
contract of service or apprenticeship with any employer
◍ How many weeks of wages do you request for a seasonal employee.
Answer: 52 weeks prior calendar year
◍ Powers and duties of the insurance commissioner.
Answer: ability to rescind a license, promulgate rules and regulations,
investigate violators and administer penalties
◍ What protects a company if an IW says an injury was caused byemployer
negligence.
Answer: Employers liability coverage B
◍ If the insurer does not decide on a claim in 21 days and the IW successfully
petitions, the insurer pays an additional $____.
Answer: $50.00
◍ Can a minor be an eligible IW? How are they compensated.
Answer: Yes they can be eligible. Compensated triple if the minor is illegal
or under legal working age
◍ Fatality must be reported w/in.
Answer: 48 hours
