Term
| Phil works at a telephone marketing company. In which situations would a workers compensation policy pay |
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Definition
Whether or not the employer is to blame,and only if another employe causes the injury or sickness.
Workers compensation pays if the worker is insured while working. |
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Term
| For the most part, Worker's compensation is a comprehensive coverage including various levels of: |
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Definition
| rehabilitation, survivors, disability and medical beneits.The components listed are always part of workers compensation coverage. |
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Term
| T/F Under workers compensation laws, there are maximum limits placed on the amount of medical benefits a covered employee can reveive. |
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Definition
| False. medical benefits are limited |
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Term
| T/F Any job-related injury if related somehow to an injury with a prior employer, will be payable by a subsequent infury fund of the current employer since the personis no longer wtih that prior employer |
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Definition
| True. The subsequent injury fund was created to help injured people back to work. Prior to having this fund, if the worker got re-injured onthe second job, the workers compensation costs would go up for the second employer. Rather than risking rates increasing, employers would refuse to hire previously injured workers. |
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Term
| If william is entitled to a seamless delivery of indemmity and medical benefits that cover both on and off the job injuries, and sickness, he is covered by: |
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Definition
| 24-hour coverage, and in conjuction with workers compensaiton coverage provides coverage that is seamless |
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Term
| What can be used by insurers to handle a pre exising condition? |
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Definition
| Waiver for impairments, Substandard Basis, Temporary exclusion. The three methods listed are used to handle preexisting conditions. |
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Term
| Laura, while working, is in a serious car accident. She is in the hospital for a long period of time because of the injuries sustained from this accident. Her medical bills will NOT be paid by her group non-occupational health plan. Why? |
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Definition
| She was involved in a job-related accident. Workers compensation would pay her bills |
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Term
| A form of group insurance when the individuals covered are not necessarily known to the insurance company, such as for students, campers, and passengers ona bus, is known as: |
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Definition
| Blanket insurance. This is the difference of blanket insurance |
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Term
| "service" type health care providers: |
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Definition
| pay the provider directly instead of reimbursing the insured.By definition, service providers pay the provider directly |
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Term
| Blue cross and blue shield subscribers pay a pre-determined fee for service referred to as |
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Definition
| pre-paid plans. by definition, the "blues" are pre-paid plans |
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Term
| T/F HMOs may be owned by various entities. One example would be a commercial insurance firm. |
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Definition
| True. A variety of business organizations can own HMOs including commercial insurers |
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Term
| The term "morbidity" is associated with what kind of insurance? |
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Definition
| Health. Morbidity is associates with health insurance. |
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