CCA CCA Workers Compensation Claims 2

Question 1

Which form is commonly used to report a workers' compensation claim to the insurer in many US states?

Accepted Answer

First Report of Injury (FROI)

Answer

ACORD 1

Answer

OSHA 300 Log

Answer

CMS-1500

Question 2

A worker injures their back while lifting at work and later develops a psychological condition due to chronic pain. Is the psychological condition likely compensable?

Accepted Answer

Yes, if the psychological condition is a direct consequence of the compensable physical injury

Answer

No, psychological conditions are never covered under workers' compensation

Answer

Only if a psychiatrist certifies the condition before the physical injury heals

Answer

No, only the original physical injury is compensable

Question 3

What is a 'scheduled loss of use' award in workers' compensation?

Accepted Answer

A lump sum payment for permanent impairment to a specific body part based on a statutory schedule

Answer

A weekly benefit paid during temporary disability

Answer

A penalty imposed on employers who delay claim reporting

Answer

A structured settlement for permanent total disability

Question 4

When a third party (not the employer) causes a work injury, the injured worker may:

Accepted Answer

Sue the third party AND receive workers' compensation, with potential subrogation by the insurer

Answer

Only collect workers' compensation and waive all other claims

Answer

Sue the employer and the third party simultaneously for double recovery

Answer

File only a personal injury lawsuit and waive workers' compensation benefits

Question 5

What does 'light duty' mean in a workers' compensation context?

Accepted Answer

Modified or restricted work assignments within the injured employee's medical restrictions

Answer

The employer is not required to provide any accommodation

Answer

A permanent demotion due to the work injury

Answer

Part-time work without any wage replacement benefits

Question 6

Which of the following injuries would likely be found NON-compensable under workers' compensation?

Accepted Answer

An injury sustained during a voluntary company social event held off-premises

Answer

A slip and fall while carrying work supplies

Answer

A repetitive strain injury from data entry duties

Answer

An occupational disease caused by chemical exposure at work