Question 1

What is the numeric basis on which workers' compensation rate group premiums are calculated and published?

Accepted Answer

Workers' compensation rate group premiums are typically calculated and published based on dollars per $100 of insurable earnings.

Question 2

According to collective liability, employers in a class or other rate group are liable for which of the following costs?

Accepted Answer

Collective liability means that employers in a group share the costs of both accidents and occupational diseases, spreading the financial risk among all members of the group.

Question 3

If you develop a lung disease because of working in a bakery, which is most likely to happen first?

Accepted Answer

Compensation while receiving treatment is likely to happen first as it addresses immediate medical and financial needs due to the work-related illness.

Question 4

Which of the following countries had the greatest influence on the Canadian worker's compensation system?

Accepted Answer

England was the greatest influence on the Canadian worker's compensation system.

Question 5

In general, after how many years of lower than annual injury costs might a Canadian employer receive a rebate on their annual assessment?

Accepted Answer

In Canada, employers may receive a rebate on their annual assessment after three consecutive years of lower than average injury costs, as part of certain workers' compensation programs.

Question 6

You are required to estimate your company's WCB premiums. You must first identify which of the following?

Accepted Answer

The industry classification code (or SIC) is essential for estimating WCB premiums as it determines the base rate for the type of work your company does, which is a primary factor in calculating premiums.

Question 7

Helen worked in a fireworks factory for 25 years. After she took early retirement, her doctor told her that her long-standing health issues were due to lead poisoning from materials that are now banned. What factor will be given serious consideration in assessing her WCB claim?

Accepted Answer

The latency period between exposure and illness is crucial in assessing claims related to occupational diseases, as it helps establish a connection between the workplace exposure and the health condition.

Question 8

Which of the following is an example of principle collective liability?

Accepted Answer

Collective liability means that all companies within a specific industry share the responsibility and costs for accidents and diseases, regardless of which company directly incurred them.

Question 9

When a worker is injured, which parties are needed to provide information in order to process a workers' compensation board (WCB) claim?

Accepted Answer

The processing of a workers' compensation claim typically requires information from the employer, the employee, and the physician to verify the injury, its circumstances, and the medical details.

Question 10

Which of the following is an example of earnings loss payment?

Accepted Answer

Earnings loss payments are typically provided to workers who return to a lower-paying job after an injury, to supplement their reduced wages and help them maintain their pre-injury income level.

Question 11

What is the cost of the penalty when an employer discourages an employee from filing a claim or punishes the worker for filing the claim?

Accepted Answer

The penalty for discouraging or punishing an employee for filing a claim is typically $4000.

Question 12

What defines an experience rating system?

Accepted Answer

An experience rating system is based on a company's history of injury or illness claims, which affects their insurance premiums.

Question 13

Ivan lost an eye in an industrial accident, and is just starting a new job. How does the second injury provision work if he loses sight in the other eye?

Accepted Answer

The second injury provision typically involves the Workers' Compensation Board covering the total disability cost to encourage employers to hire workers with pre-existing disabilities without fear of increased liability.

Question 14

Which of the following reflects how workers' compensation boards view the social benefit of compensation?

Accepted Answer

Workers' compensation boards often view compensation as a means to help injured workers remain active and engaged in their communities, supporting their recovery and reintegration into society.

Question 15

Workers in nursing homes regularly experience a number of physical and psychological health and safety issues. Incidents can involve twisting and/or lifting injuries, contact with viruses and bacteria, as well as stress-related illnesses from dealing with very sick and dying patients. At Restwell Manor there are 80 employees who work an average of 6 hours per day for 250 days a year. In the past year, the employer reported a total of 8 injuries for a total lost time of 50 days.
-What is the common denominator in the equations that you would use to calculate the injury frequency and severity rates for Restwell Manor?

Accepted Answer

The common denominator for calculating both injury frequency and severity rates is the total hours worked.

Question 16

Via Rail is Canada's passenger railway, whereas CN Rail is a freight/cargo railway. What WCB liability do these organizations face?

Accepted Answer

Via Rail is a passenger railway, which means it is responsible for transporting people. CN Rail is a freight/cargo railway, which means it is responsible for transporting goods. As such, Via Rail has individual liability for injuries/illnesses to its passengers, while CN Rail has individual liability for injuries/illnesses to its employees.

Question 17

Which of the following is NOT an example of an experience rating program in Ontario?

Accepted Answer

The Workplace Safety Insurance Appeals Tribunal (ESIAT) is not an experience rating program; it is a tribunal that handles appeals related to workplace safety and insurance decisions in Ontario.

Question 18

Complete the following analogy: social rehabilitation is to coping as vocational rehabilitation is to

Accepted Answer

Social rehabilitation helps individuals cope with social challenges, while vocational rehabilitation aims to help individuals gain or return to employment.

Question 19

How are safety associations different from workers' compensation boards?

Accepted Answer

The answer of How are safety associations different from workers'...

Question 20

In Canada, the majority of workers who receive compensation will receive ____________________

Accepted Answer

In Canada, most workers who receive compensation through workers' compensation programs typically receive 90% of their net earnings.

Quiz 3: Workers Compensation