Exam topics

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• Texas Workers’ Compensation Average Weekly Wage CalculationIn Texas, the average weekly wage (AWW) used for workers’ compensation income benefits is generally based on the employee’s earnings before the injury…
• Maximum Medical Improvement in Texas Workers’ CompensationIn Texas workers’ compensation, maximum medical improvement (MMI) is the earlier of the earliest date after which, based on reasonable medical probabi…
• Texas Workers’ Compensation Impairment RatingA Texas workers’ compensation impairment rating (IR) is a percentage of permanent impairment of the whole body from the current compensable injury, as…
• Commercial Crime Coverage TriggersA commercial crime claim must fit the purchased insuring agreement, including its definitions, covered property, causal wording, limits, and reporting…
• Employee Dishonesty CoverageEmployee dishonesty coverage can protect a business against specified direct loss of money, securities, or other property caused by an employee’s thef…
• Forgery and Alteration CoverageForgery or alteration coverage may pay a business’s direct loss caused by a forged or improperly changed instrument specified in the crime policy. The…
• Principal, Obligee, and SuretyA surety bond has three parties: the principal is the party that promises to perform or comply, the obligee is the person or agency protected by the b…
• Texas Auto PIP RequirementsTexas requires auto liability insurers to offer personal injury protection (PIP) unless a named insured rejects it in writing. PIP pays specified acci…
• Texas Workers’ Compensation Income BenefitsTexas workers’ compensation has four income-benefit types: temporary income benefits (TIBs), impairment income benefits (IIBs), supplemental income be…
• Texas Workers’ Compensation Medical BenefitsTexas workers’ compensation medical benefits pay for reasonable and necessary care to treat a compensable work injury or occupational disease. The car…