CCP Workers' Compensation Claims 3

Question 1

A subrogation right in workers' compensation allows the employer or insurer to:

Accepted Answer

Recover benefits paid from a negligent third party

Answer

Subrogation lets the insurer step into the claimant's shoes to pursue a negligent third party and recover amounts paid on the claim.

Question 2

Which federal act provides workers' compensation coverage for longshore and harbor workers injured in maritime employment?

Accepted Answer

Longshore and Harbor Workers' Compensation Act (LHWCA)

Answer

The LHWCA is the primary federal statute covering maritime workers engaged in loading, unloading, building, or repairing vessels.

Question 3

An adjuster receives a workers' compensation claim 45 days after the reported injury date. The primary concern should be:

Accepted Answer

Potential spoliation of evidence and witness memory degradation

Answer

Delayed reporting hampers investigation because physical evidence may be altered and witness recollections become less reliable over time.

Question 4

In workers' compensation, 'light-duty' work offers are important because:

Accepted Answer

They can reduce or eliminate temporary disability benefit obligations if the employee refuses suitable work

Answer

If a treating physician releases the worker to light duty and a suitable job is offered, refusal may suspend or reduce TTD benefits.

Question 5

The primary purpose of a vocational rehabilitation benefit in workers' compensation is to:

Accepted Answer

Assist the injured worker in returning to gainful employment when pre-injury work is no longer possible

Answer

Vocational rehabilitation focuses on restoring the worker's earning capacity through retraining, education, or job placement when the pre-injury job is unavailable.

(CCP) Certified Claims Professional Practice Test

(CCP) Certified Claims Professional Practice Test

CCP Workers' Compensation Claims 3