CCA CCA Workers Compensation Claims 1

Question 1

Workers' compensation is considered a 'no-fault' system because:

Accepted Answer

Employees receive benefits regardless of who caused the accident

Answer

Employers never have to pay for workplace injuries

Answer

The government pays all workers' compensation claims

Answer

Only third parties can be held liable for workplace injuries

Question 2

Which of the following is typically NOT a benefit provided under workers' compensation?

Accepted Answer

Pain and suffering damages

Answer

Medical treatment for work injuries

Answer

Temporary disability payments

Answer

Vocational rehabilitation

Question 3

A 'maximum medical improvement' (MMI) determination in a workers' comp claim means:

Accepted Answer

The worker's condition has stabilized and is unlikely to improve further with treatment

Answer

The worker has fully recovered and has no permanent impairment

Answer

The employer must pay for all future medical costs indefinitely

Answer

The claim is automatically closed with no further benefits

Question 4

Which type of workers' compensation disability benefit covers a worker who can return to work in a limited capacity at reduced wages?

Accepted Answer

Temporary partial disability (TPD)

Answer

Temporary total disability (TTD)

Answer

Permanent total disability (PTD)

Answer

Permanent partial disability (PPD)

Question 5

What is an 'independent medical examination' (IME) in a workers' compensation claim?

Accepted Answer

A medical evaluation by a neutral physician chosen by the insurer or employer to assess the claim

Answer

An exam conducted by the treating physician to certify disability

Answer

A diagnostic test required before any claim can be filed

Answer

An examination performed only in disputed claims before a judge

Question 6

The 'exclusive remedy' doctrine in workers' compensation means:

Accepted Answer

Workers' compensation is the sole remedy for injured employees against their employer

Answer

Employees can only file claims under state law, not federal law

Answer

Only one type of benefit can be paid per injury

Answer

The employer may only use one insurer for all workers' comp coverage