工伤赔偿第 498 / 531 题
The experience modification factor applied to a workers compensation premium rewards an employer whose:
a.Employees carry their own health insurance
b.Payroll grew faster than the industry average
c.Actual losses ran below expected for its class
d.Policy has been renewed for many years running
解析
The mod compares an employer's actual loss experience with the losses expected of a business of its size and classification, so better-than-expected results produce a factor below 1.00 and a credit, worse results a debit above it. That is why loss control and return-to-work programs pay off: they cut both claim frequency and claim cost. Payroll growth, employee benefits and length of tenure play no part in the formula.
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同考点相关题目
- Part Three, other states insurance, of the workers compensation policy responds when the employer:
- An injured employee collects compensation benefits and then sues the maker of the machine that hurt him. The manufacturer sues the employer, claiming the employer misused the machine. That suit against the employer is covered by:
- A contractor has $400,000 of payroll in a class code rated at $2.50 per $100 of payroll and an experience modification factor of 0.90. Before other adjustments, the premium is:
- Workers compensation premium is billed at inception on estimated payroll. At the end of the policy term:
- In a jurisdiction served by a monopolistic state fund, an employer needing workers compensation coverage:
- An employer with a poor loss record cannot find any workers compensation insurer willing to quote it. Coverage is normally obtained through:
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