State Laws (Producers)

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Question 1 of 9

1. Question

Which of the following is NOT true regarding states that have compulsory workers’ compensation laws?

These laws require that employers accept responsibility for workplace injuries.

States with such laws do not allow employers to obtain permission to provide workers' compensation through self-insurance.

These laws generally require that employers obtain workers' compensation insurance for nearly all workers.

Only one state in the United States does not have compulsory workers' compensation laws.

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Question 2 of 9

2. Question

Which of the following is NOT true regarding the state with elective workers’ compensation laws?

Texas is the only elective workers' compensation law state.

In the state with elective workers' compensation laws, common law defense arguments are often used by employers to avoid being sued.

In the state with elective workers' compensation laws, each employer has the right to choose whether or not they participate in workers' compensation.

In the state with elective workers' compensation laws, an employer can be sued if found to be at fault for a workplace injury.

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Question 3 of 9

3. Question

In some states, workers’ compensation must be purchased from a state-run entity that owns the entire state’s market share. What term is used to describe these states?

Quasi-public states

Public option states

Competitive market states

Monopolistic states

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Question 4 of 9

4. Question

Which of the following is true regarding workers’ compensation in Utah?

Utah has compulsory laws and is a competitive market state.

Utah has compulsory laws and is a monopolistic state.

Utah has elective laws and is a competitive market state.

Utah has elective laws and is a monopolistic state.

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Question 5 of 9

5. Question

Which of the following statements is NOT true?

In Utah, all businesses must purchase workers' compensation insurance, and there are no exceptions.

In Utah, some agricultural workers and some casual or domestic workers do not need to be covered by workers' compensation.

In Utah, some real estate brokers and insurance brokers do not need to be covered by workers' compensation.

In Utah, an employer that needs workers' compensation insurance can purchase it from any private insurer that sells it.

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Question 6 of 9

6. Question

Most states in the U.S. have a competitive market for Workers’ Compensation insurance. That means that an employer

must purchase it from the state insurance department.

must purchase it from a public state fund.

is able to purchase it from local, state, or federal governments.

is able to purchase it from any insurance company that sells it.

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Question 7 of 9

7. Question

Instead of buying Workers’ Compensation insurance, if a Utah employer wishes to self-insure, it must

provide a letter to the State of Utah stating its intent to pay for workers' injuries.

follow the self-insurance guidelines established by the federal government.

get approval from the National Association of Insurance Commissioners (NAIC).

provide a Surety Bond to the State of Utah.

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Question 8 of 9

8. Question

Which of the following statements is NOT true about the Workers Compensation Fund?

In Utah, it is the insurer of last resort.

It is owned by the state of Utah.

Utah employers that are “high-risk” and unable to obtain insurance from other carriers, can purchase workers compensation insurance from the Workers Compensation Fund.

Per state law, it is required to "write all workers' compensation insurance for which application is made.”

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Question 9 of 9

9. Question

If an employer wishes to self-insure its workers’ compensation obligations, it must do all of the following EXCEPT

complete the “Application for Self-Insurance" and submit to the state.

demonstrate that it has been in business continuously for five years immediately preceding its application.

apply for a waiver and prove that it has a financial hardship.

demonstrate sufficient financial strength and liquidity–which includes providing a surety bond (minimum of $100,000) issued by a corporate surety.

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