Exam 18: Workers Compensation

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What is the primary responsibility of an injured worker with regard to his or her employer?

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Medical benefits replace a portion of any wages a worker loses because of a work-related injury or illness.

(True/False)
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If a workers' compensation claim is denied, the provider can request a review by: A)the state workers' compensation insurance fund. B)the state insurance commissioner. C)a medical examination review committee. D)an independent review organization.

(Short Answer)
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Match the following:
Physician does NOT provide a sufficient level of treatment because of a fixed capitation payment arrangement
fraud indicator
Law that provides workers' compensation benefits to employees of the United States government
Social Security Disability Insurance
Physician orders unnecessary treatments or tests to enable billing for higher fees
Federal Employees' Compensation Act
Correct Answer:
Verified
Premises:
Responses:
Physician does NOT provide a sufficient level of treatment because of a fixed capitation payment arrangement
fraud indicator
Law that provides workers' compensation benefits to employees of the United States government
Social Security Disability Insurance
Physician orders unnecessary treatments or tests to enable billing for higher fees
Federal Employees' Compensation Act
Illegal incentives paid for patient referrals
upcoding
Providers collude with the insurance company to defraud the employer
kickbacks
Billing by a provider for a more expensive service than the one performed
underutilization
A sign that suggests that some type of illegal behavior may be occurring; triggers a closer review of a claim or situation
Occupational Safety and Health Act
Physician performs a single service but bills it as a series of separate procedures
internal fraud
Government program that provides income benefits to people who cannot work because of a medical condition lasting 1 year or more
overutilization
Law that provides the government with the authority to set and enforce safety and health standards for employers
unbundling
(Matching)
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Medical benefits for an injured worker begin: A)immediately and end 1 year after the date of the injury. B)immediately and have no specific time limit. C)after a 3-day waiting period and end 1 year after the date of the injury. D)after a 3-day waiting period and have no specific time limit.

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Examples of compensable injuries include all of the following EXCEPT: A)falls in the company parking lot. B)injuries incurred while working on a home improvement project using tools borrowed from work. C)injuries that occur in a company restroom, break room, or cafeteria. D)stress injuries caused by work conditions.

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The injured worker or the insurance company must dispute an impairment rating or maximum medical improvement date within: A)30 days from the date of notice. B)45 days from the date of notice. C)90 days from the date of notice. D)120 days from the date of notice.

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Vocational rehabilitation involves the __________ of an injured employee to enable him or her to return to the workforce.

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If an individual has both an employer-sponsored disability plan and a government-sponsored plan: A)the government plan is primary, and the employer plan would supplement the benefits. B)the employer plan is primary, and the government plan would supplement the benefits. C)only the employer plan would pay benefits. D)only the government plan would pay benefits.

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Up to $6,000 of a deceased worker's funeral expenses can be paid as __________ benefits.

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Medical records for workers' compensation cases are to be kept separate from a patient's regular medical records.

(True/False)
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Workers' compensation fraud can be punishable by: A)fines. B)orders for restitution. C)imprisonment. D)all of the above.

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The four types of workers' compensation benefits are: A)medical, disability, health, and death. B)medical, income, disability, and death. C)medical, income, death, and burial. D)disability, suffering, death, and burial.

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An impartial physician who helps to resolve a workers' compensation claim dispute is known as the: A)treating doctor. B)designated doctor. C)physician of record. D)primary care physician.

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An injured worker is entitled to lifetime income benefits for all of the following conditions EXCEPT: A)loss of one foot at or above the ankle. B)total and permanent loss of sight in both eyes. C)a physically traumatic injury to the brain resulting in incurable insanity. D)third-degree burns covering the majority of either both hands or one hand and the face.

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Social Security Disability Insurance (SSDI) is paid for by: A)workers' payroll deductions matched by employer contributions. B)income taxes paid by individuals. C)taxes paid by corporations. D)individuals who purchase SSDI policies.

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How is reimbursement calculated for workers' compensation claims?

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The concept of workers' compensation insurance dates back to the late 1800s as a way to compensate workers who are injured on the job.

(True/False)
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What is meant by insurance fraud?

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An employee who is injured on the job, requires treatment, and is able to return to work within several days is categorized as having an injury: A)without disability. B)with temporary disability. C)with permanent disability. D)requiring vocational rehabilitation.

(Short Answer)
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