Self Insured Practice Test

These questions are part of the practice quiz. Start practicing

• A Pott's fracture specifically involves which area?
• Who should an employer petition for a change of employee-selected physician?
• How much is the SJDB voucher worth for ratings of 26-49?
• How many days after knowledge of the injury and disability is the first payment of temporary disability due?
• What are the major weight-bearing bones of the leg?
• After January 2008, what is the maximum duration one can receive TTD benefits before it expires?
• What is the primary purpose of a Doctor's First Report of Occupational Injury or Illness?
• If an employee has a finger amputation at the proximal joint and their prescription glasses are broken, what should you pay for?
• What does the term 'exacerbation' refer to in injury context?
• The employee has an injury resulting in permanent disability of 15 percent. If the employer wants you to comprise and release the claim for $12,500, you should?
• For a self-insured employer, what must be included in the claims file?
• Which of the following is NOT a requirement for providing notice about workers compensation to employees?
• In which scenario might an individual receive just the lesser rating between two competing disabilities?
• If a part-time bartender has earnings of $600 per week and averages tips of $250, plus a free meal valued at $15, what are the earnings for compensation purposes?
• A petition for Writ of Review must be filed within ____ days after a petition for Reconsideration is denied?
• How is the compensation calculated for a bartender who has a weekly salary of $600 and averages $250 in tips?
• A 27-year-old with a chemical burn to the eyes resulting in 14% whole person impairment is rated at which percentage?
• An employee is injured at 3 pm on Friday and only paid for 6 hours. When does the waiting period for benefits begin?
• When considering a permanent disability rating, what aspect is typically assessed along with the occupation?
• Where must the claims file be maintained for an out-of-state self-insurer?
• What is typically the maximum duration for temporary disability payments in most jurisdictions?
• Which condition requires reapplication for a Certificate of Consent to Self-Insure?
• What percentage of whole person impairment does a 100% upper extremity impairment equate to?
• What benefits should not be included when calculating average weekly earnings?
• What is the temporary disability rate for a baker with earnings of $1400 per week for an injury that occurred on May 1, 2010?
• What amount of net worth is required to qualify for self-insurance after July 1, 1994?
• In cases of dependency on a deceased employee, how should benefits for partial dependents be calculated?
• What is the total amount if both the subsequent injury and previous injury are considered to determine the fund?
• If an employee's serious and willful misconduct leads to a permanent disability, what adjustment may apply to their benefits?
• How many cervical vertebrae are there in the human spinal column?
• What should be done regarding temporary disability payments for an employee who is temporarily disabled and also incarcerated for an unrelated crime?
• What action should be taken if temporary disability was paid at an incorrect rate?
• If an employer hires an employee with pre-existing arthritis, can the employer enforce a waiver excluding responsibility for this condition?
• A finding that injuries resulted from an employee's serious and willful misconduct leads to what consequence regarding their indemnity benefits?
• What is the general guideline for determining disability ratings for visual impairments?
• What type of disability is characterized by the loss of income potential due to an occupational injury?
• A Colles Fracture primarily involves which bone?
• If an employee claims an injury from a workplace incident, who should verify the claim's legitimacy?
• An employer's UR department hires a nurse to approve or deny medical treatment requests. What qualifications must the nurse have?
• What must an employer provide to ensure an employee has access to workers' compensation?
• For a 17-year-old minor injured and receiving minimum temporary disability, what is the correct permanent disability rate?
• An employee is terminated following an industrial injury due to filing a claim for compensation benefits. What is the employee entitled to?
• Who is responsible for paying the attorney fees after a claim is settled and the employee is represented?
• What should you do if a physician didn't perform a particular exam or prepare the necessary report?
• What is the impairment rating for a 30-year-old heavy furniture assembler with an 8% impairment standard?
• If an employee has a permanent disability of 72% due to an admitted injury but is guilty of serious and willful misconduct, what should the board award?
• If an employee suffers an injury due to intentional misconduct, what may happen to their compensation claim?
• What is the value of the SJDB voucher for an individual with a disability rating of 0-15?
• How many days does an injured employee have to object to the report of a primary treating physician?
• Within how many working days must the employer provide the employee with a DWC-1 claim form?
• What documentation is crucial in determining the compensability of an injury?
• If a self-insured employer fails to pay required workers' compensation benefits, what action can the Director of Industrial Relations take?
• An employee earning $16 per hour for 40 hours and $12 per hour for 20 hours has a temporary disability rate of what amount for an injury on the $16 per hour job?
• A 40-year-old forester with a 50% upper extremity impairment is rated at what percentage?
• Which fingers are most commonly involved in Dupuytren's Contracture?
• What is the maximum number of chiropractic, occupational, or physical therapy sessions allowed for an industrial injury?
• If an employee injures their right eye resulting in 25% permanent disability, what should the reserve be set for a subsequent eye injury?
• If a minor employee engages in serious and willful misconduct, what happens to their compensation?
• What percentage does a psychological claim need to meet to be compensable?
• Where is the scaphoid bone located?
• What does the term "tendon" refer to?
• Can an employee bring his personal physician to a medical examination requested by his employer?
• For a maximum earner suffering an injury in 2006, what is the correct temporary disability payment in August 2008?
• Which condition does not produce a rateable disability?
• What is an acceptable time frame for an employee to expect their claim to be processed following the submission of a report?
• What is the TTD rate for a bartender with weekly earnings of $600, tips of $250, and a free meal worth $15?
• What is the penalty for failing to file a complete or timely annual report?
• Which party bears the burden of proof to demonstrate that a workers’ compensation claim is legitimate?
• What should be done if an employee believes the medical determination is incorrect?
• What document generally starts the workers' compensation claim process?
• In which claim log is an injury recorded if it occurs in late December but is reported in January of the next year?
• If a medical provider's bill is reduced and the physician unlawfully collects from the applicant, what is the physician's responsibility?
• How many days do you have to file a petition for reconsideration after receiving a findings and award?
• What is the temporary disability rate for an injury in 2008 for an employee earning $16 per hour with another job earning $12 per hour?
• Reapplication to the Director for a Certificate of Consent to Self Insure is required if an employer fails to initiate a self insurance program within how many months?
• If no objection is made, when does a claim become compensable?
• What is the penalty for accepting a rebate or similar consideration?
• What was the burial expense amount before January 1, 1991?
• What is the outcome for an employee's compensation if the employer is found guilty of serious and willful misconduct?
• Which of the following does not involve the lungs?
• If you discover missing indemnity files while auditing, what should you do?
• Under AMA guidelines, apportionment is based on which of the following?
• How should a claim be reserved for indemnity for a Safeway employee who had 10 weeks of temporary total disability?
• An employee's injury results from a domestic dispute, which is assessed under workers' compensation guidelines. What is the most likely conclusion regarding the compensability of this injury?
• An injured employee with dependents who is incarcerated for an unrelated offense receives temporary disability that is paid to whom?
• What is the maximum temporary disability rate for an injury that occurred in 2010?
• Complete immobility of the great toe takes what standard rating?
• If an employee has a valid claim for serious and willful misconduct against the employer, what should the reserve status be adjusted to?
• What condition does entropion lead to if left untreated?
• For SJDB vouchers issued after January 1, 2013, what is the value of the voucher?
• What is the temporary disability rate for a seasonal employee who is a maximum earner during off-season?
• What must a self-insured employer do to indicate financial stability?
• What is a Doheny fracture characterized by?
• According to the AMA Guides, apportionment is based on which factor?
• Which injury condition typically warrants a local knee brace?
• How long do Self Insurance plans have to notify an applicant that their application is deficient?
• What happens if the injury report is delayed by another employee?
• What does 'aggravation' refer to in regard to work injuries?
• Which of the following is not considered indemnity?
• Which entity is responsible for approving the plan for the MPN submitted by the employer or insurance carrier?
• Are medical-only claims included in the Annual Report?
• When an employee requests a change of physician, how long does the employer have to provide the form?
• An employee is injured in the break room while intoxicated. What is the best course of action regarding the claim?
• What level of pain could be tolerated but would mark a handicap in the performance of the activity that causes it?
• If an employee is seriously injured due to his own serious and willful misconduct, when is his compensation reduced by 50%?
• What are the three basic elements of rating for a knee disability?
• What is fibromyalgia characterized by?
• In which scenario would a worker likely receive compensation for an injury not directly related to their job?
• What does ectropion refer to?
• How many days is the treating physician required to provide a medical report?
• What is a common reason for an employee's temporary disability compensation to be reduced?
• What is a requisite for an employee to access temporary disability benefits?
• If an applicant received a prior award for PD, what is presumed regarding subsequent injuries?
• What is the appropriate action when an attorney for an injured employee requests that payments be sent to their office?
• If an employer directs you to deny a claim that you know is compensable, what is the proper course of action?
• What does athroplasty mean?
• What is the rating for immobility of the hip where the arc of motion is 0-60 degrees?
• For an injured employee aged 38, how would the rating of disability be affected?
• What is the penalty percentage for failing to obtain workers' compensation coverage?
• What does a finding of the employee's serious and willful misconduct result in regarding indemnity benefits?
• How many days must a Notice of Employee Death be filed when there are no surviving minor children?
• If a self-insured employer has not adequately funded their trust account, how soon must it be reported to the manager?
• What is the standard rating for hoarseness?
• When does temporary disability for an injury typically begin to accumulate?
• How many days does one have to file a petition for reconsideration after a findings and award by the WCAB?
• For a victim of a violent act, what does substantial cause mean?
• If an examiner fails to document the return-to-work date and delays payment, what should be the first action taken?
• What is an employee's recourse if their claim for compensation benefits is denied?
• What should a physician do when a doctor offers to take them to lunch to thank them for referrals?
• An employee has an injury in February 2000 and aggravates their injury in July 2000. What should be done?
• After which event does the Director of Industrial Relations retain jurisdiction over self-insured claims?
• Which entity is primarily responsible for oversight of workers' compensation claims in California?
• Do utilization review (UR) policies and procedures need to be filed with the administrative director?
• What is the consequence for denying a claim that is later found to be work-related?
• A petition for Writ of Review must be filed within how many days after a Petition for Reconsideration is denied?
• To whom should you apply for a Certificate of Consent to Self-Insure?
• Which document provides details about the insurance carrier for workers' compensation?
• If an employee is injured while changing clothes in the workplace, how is the injury categorized?
• In which instance does a self-insurer not need to notify the Manager of a change in status?
• A nursing student works part-time earning $10 per hour. After graduation, what is her temporary disability rate following her injury while working part-time?
• What is the employer's liability if they force employees to accept workers' compensation benefits at a lower rate?
• What type of joint allows for the greatest range of movement?
• A farm laborer aged 15 years and 9 months is injured due to serious and willful misconduct. What is his permanent disability rate?
• If accurate weekly wages cannot be determined from the Employer's First Report of Injury, how should the temporary disability rate be calculated?
• For an injury to the knee in a cook aged 38, after adjusting for occupation, what effect does the age have on the rating?
• A 38-year-old cook sustains a knee injury. How does this affect the disability rating after adjustment for age?
• The employee is guilty of serious and willful misconduct with a permanent disability of 50%. What should you do?
• If three persons are wholly dependent on a deceased employee, what would partial dependents receive?
• What is a primary factor considered in the apportionment of disability under AMA guidelines?
• What document invokes the jurisdiction of the Worker's Compensation Appeals Board for an injury occurring in 2007?
• Where is the lacrimal bone found?
• What characterizes a greenstick fracture?
• Who is responsible for enforcing benefit notices and timeliness of payments?
• When an injury causes grip loss and atrophy, what does the injured worker receive?
• Which of the following must be established to qualify for benefits in a workers' compensation claim?
• What does pronation of the forearm mean?
• What does the temporary disability rate depend on for an employee working both part-time and full-time?
• In 2005, what is the maximum permissible add-on percentage for subjective claims?
• What rating is assigned to someone experiencing moderate pain but has regular functionality?
• What is the maximum fine a doctor can incur for lying on a medical legal report?
• Which of the following is not considered an activity of daily living?
• What is the standard rating for an individual with moderate vertigo?
• For death benefits for one dependent, what amount is allocated?
• What does the PD assumption of 100% include?
• When should an insurer notify the appropriate authorities about a suspected fraudulent act in connection with a workers' compensation claim?
• What should you advise an employer who fired an employee for reporting an industrial injury?
• What is the definition of lacrimation?
• Burial expenses for the year January 1, 2013, are how much?
• If an employee's treating physician releases him to return to work after a patella removal and declares his condition as permanent and stationary, what should be the next step?
• Unless there is an Order of Credit, estimates of future liability may?
• Otitis media involves which part of the body?
• When a self-insured certificate is revoked, how long does the Director retain jurisdiction?
• Which information is not required in the Claim log?
• An employee's compensation may be reduced by what percentage if the injury resulted from serious and willful misconduct?
• Where are the metatarsals located in the body?
• What is the death benefit amount for an employee who was injured in 2000 and died in 2006?
• If an accountant is injured in an accident while commuting after taking work home, how should the claim be processed?
• Who can impose a penalty if you fail to notify the excess carrier of a claim?
• For an injury in 2013 resulting in death, what is the maximum allowed for reasonable burial expenses?
• What does the term metacarpus refer to?
• Who is responsible for adopting and revising the official medical fee schedule?
• An Employer's First Report of occupational injury or illness must be filed within how many days?
• The zygoma, also known as the zygomatic bone, is associated with which part of the body?
• What rating would be assigned for slight knee stability issues without atrophy?
• What is the primary function of ligaments in the body?
• If the employer provides a wage statement showing irregular earnings, what is the correct disability rate?
• When is a proof of service necessary?
• How should a claim be handled if an employee is injured while engaged in a recreational activity during work hours?
• What is the employer's date of knowledge if an employee is injured on January 10 and reported the injury on January 12?
• What should be done if an injured worker files a claim without proper documentation after termination?
• What is the civil penalty for an employer forcing injured workers to accept less money than they are due?
• How should an employer respond to an employee filing a false claim of serious and willful misconduct?
• How long do you have to file a petition to terminate liability for payments after terminating them?
• Which of the following conditions allows the employee's compensation to be reduced by 50% due to serious and willful misconduct?
• When an employer and employee file third-party actions and recover, who has the first right of recovery?
• What is the temporary disability rate for an employee who earns $12 per hour and is injured while working that job?
• What is considered the "sole and exclusive remedy" of the employee against the employer?
• What is the total count of vertebrae in the human body?
• Reduction of vision to what level is considered complete loss of sight in an eye?
• When paying a retired employee injured as a reserve police officer, which rate should be used for temporary and permanent disability?
• What is the condition under which rehabilitation benefits can be settled?
• A 47-year-old electrician has a knee injury. What is the estimated permanent disability percentage?
• What is the correct wage loss temporary disability rate for a chef earning $1300 per week who is injured?
• When is a disability considered to be permanent and stationary?
• What action should you take if a physician didn't perform an exam noted in their report?
• What is one consequence for employers without proper insurance coverage?
• When does the waiting period start for an employee injured at work?
• Which artery is the largest in the human body?
• In a scenario where an employee's work-related injury develops complications, what is the employer's obligation?
• A chemist suffers a chemical burn resulting in a 14% whole person impairment. What is the final rating?
• In the case of a 39-year-old auto mechanic with slight knee instability but no atrophy, what is the permanent disability percentage?
• What characterizes a medical only claim in workers' compensation?
• What is the standard rating for an amputation of the major thumb at the carpal joint that occurred in 1997?
• To qualify for total dependency, what is the maximum income a person can earn?
• All self-insurers must file their Annual Report by which deadline?
• Which of the following must be given to employees regarding workers' compensation claims?
• What factor can contribute to the calculation of temporary disability benefits for an employee?
• An employee is considered a covered employee in the Medical Provider Network when the employer?
• Which of the following is not covered under factual determination of dependency?
• In the case of an elbow injury resulting in loss of motion, what is the maximum impairment percentage for a 40-year-old forester?
• What is not considered an activity of daily living?
• When does disability begin if an employee reports an injury to the employer two days after it happened?
• When objecting to a medical determination, how many days does the objecting party have to notify the other party if the employee is represented?
• If a doctor's medical legal bill is found 62 days after being received, what should you do?
• An insurer uses an Ohio bank for indemnity payments on a California workers' compensation claim. Is this acceptable?
• Palmarflexion of the wrist is described as moving the wrist:
• What is true regarding death benefits for an employee without dependents?
• If an employee has an injury to the knee with no loss of motion, instability, or thigh atrophy, what is the standard rating?
• When both instability and thigh atrophy are present, what is the rating for the disability producing the greater rating only?
• Which nerve is associated with carpal tunnel syndrome?
• What earnings does an employee receive when the employer provides a free meal daily valued at $15?
• Which type of expense is categorized as indemnity in the context of worker's compensation?
• What document should be filed to protect your right to recover workers' compensation payments from a negligent third party?
• How is disability rated for a bilateral loss of vision injury?
• If a bartender's total earnings including tips and a free meal is $975, what is their TTD rate?
• Which of the following is NOT an accepted form of payment for a security deposit to be self-insured?
• The employer is guilty of Serious and Willful Misconduct, what percentage should you increase reserves by if the employee has lost both hands?
• To whom should you refer an employee diagnosed with a herniated disc?
• When an employee settles a case by compromise and release, what must happen before payment is made?
• Dorsiflexion of the foot refers to which movement?
• If a knee injury produces no objective disability or work restrictions but requires a long leg brace, what is the standard rating for the knee?
• When can compensation benefits be reduced due to an employee's willful misconduct?
• If an employee with uncontrolled diabetes faints and suffers an injury after clocking out of work, what should be the course of action regarding medical treatment?
• What must an employer do if their self-insured certificate is revoked?
• How many days does a physician have to submit a Doctor's First Report of Occupational Injury or Illness?
• Which of the following is NOT a possible punishment under a Non-Discrimination Policy 132a?
• Which of the following best describes the calsis?
• Formal rating determinations provide evidence regarding what aspect?
• Which of the following best describes a constant minimal condition?
• What should a claims adjuster do if medical treatment is denied initially?
• What is the penalty for a self-insured employer who denies a claim without proper documentation?
• Under what condition may Vocational Rehabilitation be settled?
• When prescribed, what purpose do leg braces serve?
• As a self-insured administrator, how long must you maintain the claims file?
• For an injury occurring on or after January 1, 2005, what is the maximum whole person impairment under the AMA guides?
• What does compensation include?
• The nucleus pulposus is defined as?
• What does orthoscopy involve?
• If a knee injury requires a stretch leg brace but produces no objective disability, what is the standard rating for the knee?
• What is the scheduled rating for a cardiac condition resulting in preclusion from heavy lifting?
• If there is a delay in payment on an approved settlement order, what is the employee entitled to?
• A worker is injured while cleaning up after a meeting that involved drinking. How is this injury typically treated under workers' compensation?
• Which aspect does not affect the validity of an employer's Certificate to Self Insure?
• An employee is hit by a passerby while in the company parking lot. How is this injury classified?
• What is commonly considered the standard waiting period before temporary disability payments begin?
• A 46-year-old electric arc furnace operator limited to light work due to silicosis would have what level of permanent disability?
• What is the standard rating for a knee injury that produces no objective disability but requires a local knee brace?
• What type of action can an employee take against a coworker for workplace injury?
• What happens to temporary disability pay if an injured employee with dependents is incarcerated?
• Rateable permanent disability cannot be increased if the subjective disability is categorized as?
• A teacher is assaulted after leaving school. What determines the compensability of her injury?
• Where does the head of the femur fit?
• With whom should UR policies and procedures be filed?
• In case of a delayed return to work, what should be confirmed before continuing disability payments?
• Who should you contact to apply for a Certificate of Consent to Self-Insurance?
• When can a civil action be taken against a co-employee for an injury while receiving workers' compensation benefits?
• Regarding the Subsequent Injury Fund, what is required if the combined disability exceeds 70%?
• What should be done when an employee's temporary disability payment is being disputed?
• What is the standard rating for occasional severe back pain?
• What is the permanent disability percentage for a baker with a Colles fracture in his dominant hand showing grip strength readings of 65, 55, 60/107, 106, 105?
• An aggregate stop loss excess insurance policy for an employer is:
• If a worker's temporary disability benefit is calculated on their average weekly earnings, what type of benefits are not included?
• Conjunctivitis affects which part of the eye?
• The olecranon is part of which area of the body?
• What condition is described by the term entropion?
• If an employee is injured on December 1 and returns a completed DWC-1 on December 3, when does the waiting period for benefits begin?
• What is the primary purpose of workers' compensation insurance?
• When can an employer request a second opinion under Labor Code 4062(b)?
• If you disagree with the Agreed Medical Examiner's findings, what is the appropriate action to take?
• A 39-year-old baker has an injury to his knee resulting in slight instability. What is the level of permanent disability?
• Who is automatically presumed dependent when an injured worker dies from an industrial injury?
• What does the term arthrodesis refer to?
• Where is the ilium located?
• What defines a compound fracture?
• What rating would be assigned to an injury that results in minimal subjective disability?
• What type of misconduct directly impacts an employee's benefits in a workers' compensation claim?
• A 47-year-old actor has a cosmetic disfigurement resulting in 5% whole person impairment. What is the rating?
• Which of the following is a potential outcome if an insurer improperly handles a claim?
• A 20-year-old employee with a back injury is assessed to have permanent disability. What responsibilities does the employer have?
• What does the term synovial refer to?
• If an employee dies without dependents, how much is paid to the Department of Industrial Relations?
• Which action should an employee take to challenge the findings of an Agreed Medical Examiner?
• What should be documented if a physician indicates a patient's condition is permanent and stationary?
• What should you do if the employer does not have a plant nurse and the employee needs a foreign object removed from their eye?
• Which form of deposit is NOT accepted by the director to secure incurred liabilities for a self-insured employer?
• What is the required action for disputes over the rating of an unspecified occupation?
• If an employer and employee file a third-party action and recover damages, who has the first right of recovery?
• How long after the date of death can a death case be filed for an employee who had an HIV claim?
• If an employee is receiving salary continuation in lieu of temporary disability, is a DWC notice needed?
• If an occupation is not listed in the scheduled ratings, what should be done?
• What does the employer not exclude?
• Under what circumstance is an employee's compensation reduced by half due to misconduct?
• Dupuytren's contracture primarily involves which part of the body?
• What is a comminuted fracture?
• Which permanent disability is presumed to be total in character?
• What action is most appropriate if an employee has been underpaid for work-related injury benefits?
• What is the exclusive remedy for an employee injured at work against their employer?
• Once an employee's TTD benefits are exhausted, what is typically the next potential benefit they may receive?
• What is a common result of ectropion?
• If an employer does not have a Medical Provider Network, how long must an injured employee wait to see their own doctor?
• How many days must pass before submitting a request for a QME form?
• What is the required action if the employer is responsible for a serious safety violation?
• What is the maximum earning limit for a spouse to qualify for total dependency presumption?
• In terms of disability, what does evaluating for apportionment primarily assess?
• What is the purpose of the documentary audit conducted by the director of self-insured employers?
• An injured worker has an aphakic eye with vision of 20/50. What is the correct standard rating?
• What documents must you file with the worker's compensation appeals board if you choose not to be represented?
• When an injury occurs in late December but is reported in January, in which year is it recorded in the claim log?
• In what cycle will the director audit self-insured employers for their adequacy of estimates of future liability of claims?
• What is the penalty percentage for an employer failing to obtain workers compensation coverage?
• How is a document considered officially filed with the Worker's Compensation Appeals Board?
• Under what condition can a claims file be closed?
• For how long can benefits be reduced due to serious misconduct without an order?
• How long shall aggregate disability payments for an injury in 2006 extend for temporary disability?
• What is the least amount of loss of motion of fingers that is ratable using the 1997 schedule?
• In which case does a worker's compensation case require a hearing?
• The employee's right major index finger fails to clear the mid-palm on active flexion by 3/4". What is the percentage of permanent disability if the employee also has a 25% weighted grip loss?
• Within how many days should the employer or insurance carrier receive the report of an evaluating physician?
• What is the primary responsibility of an investigator assigned to evaluate claims of compensability in a workplace?
• Which type of fracture results from the bone being splintered into many pieces?
• A disability evaluation unit rater with a report that apportions permanent disability for an unrepresented worker must send the report to?
• How much stronger is the dominant hand compared to the non-dominant hand?
• How many dependents are there in the case where Mary and John Doe adopt their 8-year-old grandson and John dies in a work-related accident?
• The notice of a workplace injury must generally be reported:
• What is the employer's financial responsibility if an employee contracts Hepatitis C from a work-related blood transfusion?
• What part of the body does the term "metacarpals" refer to?
• If an employee is injured while handling a personal errand during an unpaid lunch hour, how should the claim be managed?
• What defines a medical-only claim?
• As an examiner handling a third party case, your primary concern should be?
• If an employee's back condition leads to 25% permanent disability, how does that rating influence compensation?
• What is the status of an employer's Certificate to Self Insure once it is initiated?
• What are the death benefits for two dependents?