1. Explain the former common law defenses employers utilized to avoid liability for employees' on-the-job injuries. 2. W

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1 Explain The Former Common Law Defenses Employers Utilized To Avoid Liability For Employees On The Job Injuries 2 W 1 (77.34 KiB) Viewed 8 times

1. Explain the former common law defenses employers utilized to avoid liability for employees' on-the-job injuries. 2. What are the arguments for and against allowing employers to opt out of the workers' com- pensation systems in Texas and New Jersey? 3. Given the rapid increases in workers' compensation costs, would you argue that other states should return to offering an opt-out provision? (Note: In the early days of workers' compen- sation laws in the United States, opt-out provisions were common because of concern about whether making workers' compensation mandatory was constitutional-now, not an issue.) 4. A worker is entitled to workers' compensation benefits when disability "arises out of and in the course of employment." A pregnant employee applies for medical and income benefits, alleging that her condition arose out of and in the course of the company's annual Christmas party. Is she entitled to benefits? Why or why not? 5. Why might workers' compensation be viewed as preferential to nonoccupational health cov- erage? Does this create any incentives for anyone within the system? 6. In what ways can the exclusivity rule be circumvented by employees? 7. Do you disagree with any of the ways that the scope of workers' compensation coverage has been broadened over the years? Explain. 8. Describe the underwriting cycle of the WC line of insurance using the combined ratio in Fig- ure 16.5.