CDMS Workers' Compensation and Claims Management 1

Question 1

Under the US workers' compensation system, which party is primarily responsible for paying medical benefits to an injured employee?

Accepted Answer

The employer or its insurer

Answer

Workers' compensation is an employer-funded system where the employer or its insurer pays for work-related injury medical benefits.

Question 2

Which of the following best describes a 'temporary total disability' (TTD) in workers' compensation?

Accepted Answer

The worker is completely unable to work but is expected to recover

Answer

TTD means the injured worker is temporarily unable to perform any work and is expected to eventually recover.

Question 3

What does 'maximum medical improvement' (MMI) mean in disability management?

Accepted Answer

The claimant's condition has stabilized and further recovery is unlikely

Answer

MMI is the point at which the injured worker's medical condition has stabilized and significant further improvement is not expected with treatment.

Question 4

Which federal law established the framework for state workers' compensation programs in the United States?

Accepted Answer

The Workers' Compensation Act of 1908 (Federal Employees)

Answer

The Federal Employees' Compensation Act of 1908 was the first major US workers' compensation law, though each state administers its own separate program.

Question 5

In workers' compensation, what is a 'second injury fund' designed to do?

Accepted Answer

Encourage employers to hire workers with pre-existing disabilities by limiting their liability

Answer

Second injury funds limit an employer's financial liability for a combined disability so employers are more willing to hire workers with pre-existing conditions.

CDMS - Certified Disability Management Specialist Exam Practice Test

CDMS - Certified Disability Management Specialist Exam Practice Test

CDMS Workers' Compensation and Claims Management 1