State Laws (2020)

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Question 1 of 7

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 7

2. Question
Which of the following is NOT true regarding elective workers’ compensation law states?
- Texas is the only elective workers' compensation law state.
- In states with elective workers' compensation laws, common law defense arguments are often used by employers to avoid being sued.
- In states with elective workers' compensation laws, each employer has the right to choose whether or not they participate in workers' compensation.
- In states 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 7

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 7

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 7

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 7

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 7

7. Question
Instead of buying Workers’ Compensation insurance, if an 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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