Practice Test Geeks(CCP) Certified Claims Professional Practice Test
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Workers' Compensation Claims Flashcards

6 cards from real CCP practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.

Read the first 6 Workers' Compensation Claims flashcards as text

  1. What is the 'no-fault' principle in workers' compensation?

    Answer: Injured workers receive benefits regardless of who caused the workplace injury

    Workers' compensation operates on a no-fault basis, meaning injured workers receive benefits regardless of whether the employer, the worker, or a coworker caused the injury, in exchange for giving up the right to sue the employer.

  2. What benefits are typically provided under workers' compensation?

    Answer: Medical treatment, wage replacement, disability benefits, and vocational rehabilitation

    Workers' compensation typically provides four categories of benefits: medical treatment for the injury, temporary and permanent disability wage replacement, vocational rehabilitation, and death benefits for dependents.

  3. What is Maximum Medical Improvement (MMI)?

    Answer: The point at which a worker's condition has stabilized and no further significant improvement is expected

    MMI is the point at which the injured worker's medical condition has stabilized and is not expected to improve significantly with further treatment, triggering permanent disability evaluation.

  4. What is the difference between temporary total disability (TTD) and temporary partial disability (TPD)?

    Answer: TTD applies when the worker cannot work at all; TPD applies when they can work with restrictions at reduced capacity

    TTD benefits are paid when an injured worker is completely unable to work during recovery, while TPD benefits apply when the worker can return to modified or light-duty work at reduced earnings.

  5. What is an Independent Medical Examination (IME)?

    Answer: A medical evaluation by a physician selected by the insurer to assess the worker's condition

    An IME is conducted by a physician chosen by the insurance company to independently evaluate the injured worker's condition, treatment, disability level, and ability to return to work.

  6. What constitutes a compensable injury under workers' compensation?

    Answer: An injury arising out of and in the course of employment

    A compensable workers' compensation injury must 'arise out of' (be caused by) and occur 'in the course of' (during the scope of) employment, connecting the injury to work duties.