Workers' Compensation Claims Flashcards
7 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 7 Workers' Compensation Claims flashcards as text
A subrogation right in workers' compensation allows the employer or insurer to:
Answer: Recover benefits paid from a negligent third party
Subrogation lets the insurer step into the claimant's shoes to pursue a negligent third party and recover amounts paid on the claim.
Which federal act provides workers' compensation coverage for longshore and harbor workers injured in maritime employment?
Answer: Longshore and Harbor Workers' Compensation Act (LHWCA)
The LHWCA is the primary federal statute covering maritime workers engaged in loading, unloading, building, or repairing vessels.
An adjuster receives a workers' compensation claim 45 days after the reported injury date. The primary concern should be:
Answer: Potential spoliation of evidence and witness memory degradation
Delayed reporting hampers investigation because physical evidence may be altered and witness recollections become less reliable over time.
In workers' compensation, 'light-duty' work offers are important because:
Answer: They can reduce or eliminate temporary disability benefit obligations if the employee refuses suitable work
If a treating physician releases the worker to light duty and a suitable job is offered, refusal may suspend or reduce TTD benefits.
The primary purpose of a vocational rehabilitation benefit in workers' compensation is to:
Answer: Assist the injured worker in returning to gainful employment when pre-injury work is no longer possible
Vocational rehabilitation focuses on restoring the worker's earning capacity through retraining, education, or job placement when the pre-injury job is unavailable.
A claimant's pre-existing degenerative disc disease is aggravated by a work-related lifting incident. Under the 'aggravation' rule, the employer is generally liable for:
Answer: The full resulting disability, including the aggravated condition
Under the aggravation rule, the employer takes the worker as they are; if work worsens a pre-existing condition, the employer is liable for the entire resulting disability.
Which document formally establishes the terms under which a workers' compensation claim is settled and releases the carrier from future liability?
Answer: Compromise and release agreement
A compromise and release (C&R) agreement is a lump-sum settlement that closes a claim in exchange for a release of future liability.