NH Workers Compensation Practice Exam 1 - Incorrect Answers

If an employee suffers a permanent partial disability, how long can loss of wage benefits continue?

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200 weeks
300 weeks
312 weeks
262 weeks

262 weeks

Each of the following is true about work-related injury cases which fall outside the scope of the workers compensation law, EXCEPT:

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The employer cannot be held liable for such injuries.
Common law defenses are retained by the employer.
Damages may be paid if negligence or legal liability is established.
Pain and suffering damages may be awarded in a court of law.

The employer cannot be held liable for such injuries.

In New Hampshire, full medical benefits are provided to employees entitled to workers compensation benefits with no time or monetary limits. The initial choice of physician is made by:

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The insurer
The employer
The employee
The workers compensation board

The employee

If an employee receives workers compensation wage benefits, what are the tax consequences on monies received?

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Federal income taxes only
State income taxes only
Federal and state income taxes apply
No federal or state income taxes apply

No federal or state income taxes apply

For a self insured employer, the coverage for amounts over the single occurrence retention limit is called?

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Aggregate Excess Coverage.
Specific Excess Coverage.
Umbrella excess coverage
Self insured retention limit coverage.

Specific Excess Coverage.

An application for a workers compensation adjuster license in New Hampshire contains all of the following, EXCEPT:

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The name and address of the applicant.
The applicant's age.
A copy of the applicant's birth record.
The location of the place of business.

A copy of the applicant's birth record.

Every employer must report any injury sustained by an employee in the course of employment as soon as possible, but no later than _____ after the employer learns of the occurrence of such an injury.

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10 days
7 working days
5 days
48 hours

5 days

Before interviewing the injured worker who has filed a claim, what should the adjuster do?

Determine if it is a work related injury

Determine if the employee is represented by an attorney .

Determine if the employee is represented by an attorney .

Which of the following is not a method by which an employer can satisfy the requirement to provide workers compensation coverage?

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Qualifying as a self insured.

Purchasing coverage from an insurance company

Purchasing coverage through the assigned risk plan

Providing broad health insurance coverage

Providing broad health insurance coverage

In New Hampshire, employers must record work-connected injuries and diseases in sufficient detail and keep same for a period of ____ from date of injury for future reference.

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2 years
3 years
4 years
5 years

5 Years

Which of the following is exempt from the adjuster licensing requirement in New Hampshire?

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Claims processed by a salaried office employee

A licensed company agent dealing with a claimant in conjunction with his other duties

All of the responses are correct.

Attorneys at law duly admitted to practice in New Hampshire

All of the responses are correct.

If an employee's average weekly wage is over 30% of the state's average weekly wage, weekly compensation for a work related accident that results in a temporary total disability will be ____% of the employee's average weekly wage.

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66 2/3%
60%
70%
80%

60%

If an employee's average weekly wage is less than 30% of the state's average weekly wage, weekly compensation for a work related accident that results in a temporary total disability will not exceed ____% of the employee's average weekly after-tax wage.

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90%
80%
75%
60%

90%

Workers compensation adjusters must comply with continuing education in New Hampshire by which of the following?

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10 hours of workers compensation credits and 10 hours of multi-line credits every year
20 hours of CE credits every 2 years
10 hours of workers compensation credits and 10 hours of multi-line credits every two years
10 hours of CE credits annually

10 hours of workers compensation credits and 10 hours of multi-line credits every two years .

Which of the following statements about Workers Compensation laws is correct?

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The scope of coverage is identical in all states

Every state provides "extraterritorial" coverage for residents working in another state

Limited benefits are provided for non-economic damages such as pain and suffering

The benefits provided under the law are typically the exclusive remedy for injured employees

The benefits provided under the law are typically the exclusive remedy for injured employees

If an employee dies as a result of a work related accident, how long will benefits be paid on behalf of a dependent child who is physically or mentally incapacitated?

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Until retirement age

As long as the child is incapacitated

Until age 70

Benefits are paid in a lump sum based on years of life expectancy.

As long as the child is incapacitated

All employers with _____ or more employees must develop temporary alternative work opportunities for injured employees.

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50
25
5
10

5

A couple has volunteered to do the cooking at special events for their church. The church is concerned that one of these volunteers might be injured in the kitchen and wants to protect them in case of an accident. The church maintains workers compensation coverage for its maintenance personnel. What should the church do to provide coverage?

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Nothing as they are covered as employees
Purchase an accident and health policy
Add the Voluntary Compensation Endorsement to the workers compensation policy
Consider them as fully covered under a general liability policy

Add the Voluntary Compensation Endorsement to the workers compensation policy

Resident workers compensation adjusters must comply with continuing education in New Hampshire by which of the following?

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10 hours of workers compensation credits and 10 hours of multi-line credits every year
20 hours of CE credits every 2 years
10 hours of workers compensation credits and 10 hours of multi-line credits every two years
10 hours of CE credits annually

10 hours of workers compensation credits and 10 hours of multi-line credits every two years

Vocational rehabilitation training, treatment or service will not extend for a period of more than ______, except for unusual cases by special order of the Commissioner.

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1 year
18 months
2 years
3 years

1 year

The time limitation for filing a claim for workers compensation in New Hampshire is _____ after the date of injury.

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5 years
4 years
3 years
2 years

3 years

For all but small employers, premiums in a Workers Compensation policy include an adjustment, upwards or downwards, based upon how the employer's actual loss experience compares to that expected of employers which do similar work. What is the name of the factor that accounts for this adjustment?

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The scheduled rating factor
The loss constant
The loss ratio adjustment factor
The experience modification factor

The experience modification factor

A child of a worker that dies in a work related injury is a full time student in an accredited school. How long will he or she receive benefits?

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Until age 25

Until age 21

Until age 23

Until age 25

If a dispute arises as to the responsibility of an employer or the employer's insurance carrier for payment of compensation or other benefits, any interested party may request a hearing by the Commissioner. The Commissioner must notify the interested parties at least ______ prior to the hearing date.

10 days

14 days

5 days

10 days

Which of the following would be covered under Part II - Employer's Liability of a Workers Compensation policy?

Contractual Liability

The spouse of the injured employee sues the employer for loss of consortium.

The spouse of the injured employee sues the employer for loss of consortium.

What is the difference, if any, between self-insurance and private insurance when it comes to Workers Compensation insurance?

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There is no difference
In private insurance, the employer pays for claims; in self-insurance, the employee pays
In private insurance, the insurer pays for claims, in self-insurance, the employer pays
In private insurance, the state fund pays; in self-insurance, the employer pays

In private insurance, the insurer pays for claims, in self-insurance, the employer pays

Which of the following is not true regarding medical examinations of employees entitled to receive workers compensation benefits in New Hampshire?

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The cost of the examination must be paid by the employer. .
The employee may refuse any medical examination.
The injured employee will not be required to submit to more than two independent medical examinations per year.
The employee will have the right to have a health care provider designated and paid by himself or herself present at such examination.

The employee may refuse any medical examination.

In New Hampshire, workers compensation benefits must be either paid or denied within ___ after notice of a claim has been received by the insurance carrier.

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48 hours
5 days
21 days
30 days

21 days

If an employee is injured in a work related accident, when do loss of wage benefits begin?

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After three days
After four days
After five days
After seven days

After three days