The All Lines course consists of 120 Units. Each Unit is followed by a Quiz. Below is the last Unit (120) and it’s Quiz exactly as they appear. As you will see, the jargon has been toned down making your comprehension a good bit easier. If you have been ‘concerned’ about the difficulty of the course, hopefully this preview will ease your worries!

 

All Lines — Unit 120

WORKERS’ COMPENSATION

I. Benefits

Benefit means a medical benefit, an income benefit, a death benefit, or a burial benefit based on a compensable injury.

Doctor means a doctor of medicine, osteopathic medicine, optometry, dentistry, podiatry, or chiropractic who is licensed and authorized to practice.

Health care includes all reasonable and necessary medical aid, medical examinations, medical treatments, medical diagnoses, medical evaluations, and medical services. The term does not include vocational rehabilitation. The term includes:

a) medical, surgical, chiropractic, podiatric, optometric, dental, nursing, and physical therapy

b) services provided by or at the direction of a doctor,

c) physical rehabilitation services performed by a licensed occupational therapist provided by or at the direction of a doctor,

d) psychological services prescribed by a doctor,

e) the services of a hospital or other health care facility,

f) a prescription drug, medicine, or other remedy, and

g) a medical or surgical supply, appliance, brace, artificial member, or prosthesis, including training in the use of the appliance, brace, member, or prosthesis.

Medical benefit means payment for health care reasonably required by the nature of a compensable injury and intended to:

a) cure or relieve the effects naturally resulting from the compensable injury, including reasonable expenses incurred by the employee for necessary treatment to cure and relieve the employee from the effects of an occupational disease before and after the employee knew or should have known the nature of the disability and its relationship to the employment,

b) promote recovery, or

c) enhance the ability of the employee to return to or retain employment.

Occupational disease means a disease arising out of and in the course of employment that causes damage or harm to the physical structure of the body, including a repetitive trauma injury. The term includes a disease or infection that naturally results from the work-related disease. The term does not include an ordinary disease of life to which the general public is exposed outside of employment, unless that disease is an incident to a compensable injury or occupational disease.


Repetitive trauma injury means damage or harm to the physical structure of the body occurring as the result of repetitious, physically traumatic activities that occur over time and arise out of and in the course and scope of employment.

Wages includes all forms of remuneration payable for a given period to an employee for personal services. The term includes the market value of board, lodging, laundry, fuel, and any other advantage that can be estimated in money that the employee receives from the employer as part of the employee’s remuneration.

Workers’ compensation insurance coverage means:

A. an approved insurance policy to secure the payment of compensation,

B. coverage to secure the payment of compensation through self-insurance, or

C. coverage provided by a governmental entity to secure the payment of compensation.

II. Entitlement to Medical Benefits

An employee who sustains a compensable injury is entitled to all health care reasonably required by the nature of the injury as and when needed. The employee is specifically entitled to health care that:

a) cures or relieves the effects naturally resulting from the compensable injury,

b) promotes recovery, or

c) enhances the ability of the employee to return to or retain employment.

Medical benefits are payable from the date of the compensable injury.
Except in an emergency, all health care must be approved or recommended by the employee’s treating doctor.
An insurance carrier’s liability for medical benefits may not be limited or terminated by agreement or settlement.

III. Distribution of Death Benefits

If there is an eligible child or grandchild and an eligible spouse, half of the death benefits shall be paid to the eligible spouse and half shall be paid in equal shares to the eligible children. If an eligible child has predeceased the employee, death benefits that would have been paid to that child shall be paid in equal shares per stirpes to the children of the deceased child.

If there is an eligible spouse and no eligible child or grandchild, all the death benefits shall be paid to the eligible spouse.
If there is an eligible child or grandchild and no eligible spouse, the death benefits shall be paid to the eligible children or grandchildren.


If there is no eligible spouse, no eligible child, and no eligible grandchild, the death benefits shall be paid in equal shares to surviving dependents of the deceased employee who are parents, stepparents, siblings, or grandparents of the deceased.

If an employee is not survived by legal beneficiaries, the death benefits shall be paid to the subsequent injury fund.
In this section:

A. Eligible child means a child of a deceased employee if the child is:

a) a minor,

b) enrolled as a full-time student in an accredited educational institution and is less than 25 years of age, or

c) a dependent of the deceased employee at the time of the employee’s death.

Eligible grandchild means a grandchild of a deceased employee who is a dependent of the deceased employee and whose parent is not an eligible child.

Eligible spouse means the surviving spouse of a deceased employee unless the spouse abandoned the employee for longer than the year immediately preceding the death without good cause, as determined by the commission.

IV. Burial Benefits

If the death of an employee results from a compensable injury, the insurance carrier shall pay to the person who incurred liability for the costs of burial the lesser of:

a) the actual costs incurred for reasonable burial expenses, or

b) $6,000

If the employee died away from the employee’s usual place of employment, the insurance carrier shall pay the reasonable cost of transporting the body, not to exceed the cost of transporting the body to the employee’s usual place of employment.


Take Quiz

 

Below is the Quiz for Unit 120. If you can read the above text, and correctly answer 4 of the 5 Quiz questions, you pass this Unit. If you get 3 or less correct, you must re-take the Unit, and do so until you pass.

 

All Lines – Unit 120

1. (Worker’s Compensation / Benefits) … A disease arising out of and in the course of employment that causes damage or harm to the physical structure of the body, including a repetitive trauma injury, is called a (an) _____.
……….___ Occupational hazard
……….___ Vocational injury
……….___ Occupational disease
……….___ Endemic syndrome

2. (Worker’s Compensation / Burial Benefits) … If the death of an employee results from a compensable injury, the insurance carrier shall pay to the person who incurred liability for the cost of burial the lesser of the actual cost incurred for reasonable burial expenses, or _____.
……….___ $5,000
……….___ $6,000
……….___ $7,000
……….___ $8,000

3. (Worker’s Compensation / Entitlement to Medical Benefits) … All health care must be approved or recommended by the employee’s treating doctor, except _____.
……….___ for psychiatric care
……….___ over the counter remedies
……….___ for recommendations made by the insurer
……….___ in an emergency

4. (Worker’s Compensation / Distribution of Death Benefits) … Eligible spouse means the surviving spouse of a deceased employee unless the spouse abandoned the employee _____.
……….___ for another man
……….___ for verifiable physical abuse documented by an law enforcement official
……….___ for longer than the year preceding the death without good cause
……….___ and is in the process of filing for divorce

5. (Worker’s Compensation / Distribution of Death Benefits) … If an employee is not survived by legal beneficiaries, the death benefits _____.
……….___ are help in a dedicated trust for six years in case an unknown beneficiary comes forth
……….___ divided equally among his co-workers
……….___ will be paid to an ex-spouse, guardian or roommate
……….___ shall be paid to a subsequent injury fund

Submit

 


After completing the course, you will download the entire text and spend 10 hours in self study (as mandated by Texas Department of Insurance). You are then ready for the Final Exam. You have 3 hours to answer 150 multiple choice questions. When you pass, you will download 2 affidavits (Student & Proctor), and mail to our address. Once received, we mail you your completition certificate with instructions on fingerprinting and TDI application form. All of that is then mailed to Austin, Texas. Your paperwork is processed and your license is mailed out in 7 to 10 days.

There is no time limit on completing the All Lines course. It is available online 24/7.

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Related Information:

Basics of Adjusting

Earnings Potential

Becoming an Adjuster

Why a Texas license?

Adjuster Firms

 

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