CRC Disability Benefits, Workers' Compensation & Return-to-Work 5

Question 1

An injured worker's employer requests a medical evaluation by a physician who is not the treating provider to assess causation and restrictions. This is called:

Accepted Answer

Independent medical examination

Answer

An IME is performed by a non-treating physician, often at the insurer's request, to provide an opinion on diagnosis, causation, MMI or restrictions.

Question 2

Which statement best distinguishes SSI from SSDI?

Accepted Answer

SSI is needs-based; SSDI is based on insured work history

Answer

SSI is a means-tested program funded by general revenues, while SSDI requires insured status from FICA-covered work.

Question 3

A private long-term disability policy pays benefits for 24 months if the claimant cannot perform their own occupation. After 24 months, the definition typically shifts to:

Accepted Answer

Inability to perform any occupation for which they are reasonably suited

Answer

Many LTD policies shift from an 'own occupation' to an 'any occupation' definition after an initial period, often 24 months.

Question 4

A worker covered by the Longshore and Harbor Workers' Compensation Act is most likely employed as:

Accepted Answer

A dock worker loading ships

Answer

The LHWCA covers maritime workers such as longshore and shipyard workers, while seamen fall under the Jones Act.

Question 5

An SSI recipient under age 22 who regularly attends school earns wages. Which work incentive excludes some of these earnings when calculating SSI?

Accepted Answer

Student Earned Income Exclusion

Answer

The Student Earned Income Exclusion excludes a portion of earned income for SSI recipients under 22 who regularly attend school.

CRC - Certified Rehab Counselor Practice Test

CRC - Certified Rehab Counselor Practice Test

CRC Disability Benefits, Workers' Compensation & Return-to-Work 5