Alabama Insurance Adjuster Practice Exam

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Prepare for the Alabama Insurance Adjuster Test. Enhance your readiness with flashcards and multiple choice questions, complete with hints and explanations. Gear up for your exam!

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Under the Longshore and Harbor Workers' Compensation Act, how much would the surviving spouse of a deceased worker receive in benefits?

75% of the deceased worker's Average Weekly Wage
50% of the deceased worker's Average Weekly Wage
100% of the deceased worker's Average Weekly Wage
A flat sum of $250,000

The correct answer is: 50% of the deceased worker's Average Weekly Wage

The correct answer reflects the benefits structure under the Longshore and Harbor Workers' Compensation Act (LHWCA) for a surviving spouse of a deceased worker. Under this Act, the surviving spouse is entitled to receive 50% of the deceased worker's Average Weekly Wage (AWW). This amount is designed to provide financial support to the surviving spouse, recognizing the loss of income due to the worker’s death. The percentage is set within the framework of the LHWCA, reflecting legislation that balances adequate compensation with the overall aims of the workers' compensation system. When considering the other potential responses, they either suggest a higher percentage of the AWW than what is stipulated by the LHWCA or imply a flat sum that does not align with the percentage-based benefits determined by the law. The structure of providing a percentage of the worker's average earnings rather than a flat amount ensures that the benefit correlates with the past earnings of the worker, accounting for variations in income levels among workers.