Florida 6-20 Adjuster Practice Test
FL 6-20 Adjuster Florida Workers' Compensation Practice Questions
Florida Workers' Compensation makes up 3 of every 50 questions on a Tigertest FL 6-20 Adjuster practice test. Here are 10 of the 12 questions on it, each with the answer and the reason.
Updated by the Tigertest team. Based on the Florida all-lines adjuster content outline effective January 2026. Original questions; 50 per test, weighted like the real 100-question exam. Not affiliated with the Florida Department of Financial Services or Pearson VUE.
1. A Florida private employer outside the construction industry must provide workers' compensation once it has:
- A.6 or more employees
- B.4 or more employees
- C.1 or more employees
- D.10 or more employees
Answer: B. s. 440.02 defines employment to include private employment with four or more employees, or one or more employees in the construction industry.
2. A Florida construction contractor must provide workers' compensation when it has:
- A.3 or more employees
- B.5 or more employees
- C.4 or more employees
- D.1 or more employees
Answer: D. In the construction industry, s. 440.02 covers all private employment with one or more employees; outside construction the threshold is four.
3. Florida workers' compensation pays nothing for the first 7 days of disability unless the disability lasts more than:
- A.21 days
- B.10 days
- C.14 days
- D.30 days
Answer: A. s. 440.12(1) allows no compensation for the first 7 days, but if disability lasts more than 21 days, compensation is paid from the start. Medical benefits are not subject to the waiting period.
4. Florida temporary total disability benefits are generally paid at:
- A.60% of the worker's average weekly wage
- B.70% of gross weekly earnings
- C.66 2/3% of the average weekly wage
- D.80% of the weekly wage loss
Answer: C. s. 440.15(2)(a) pays 66 2/3 percent of the average weekly wage during temporary total disability, subject to the statewide maximum. The 80 percent rate applies only to listed catastrophic injuries.
5. An injured Florida worker must tell the employer about a work injury within:
- A.90 days
- B.1 year
- C.30 days
- D.7 days
Answer: C. s. 440.185(1) requires notice within 30 days after the injury or its initial manifestation, with exceptions such as the employer's actual knowledge.
6. After learning of a work injury, a Florida employer must report it to its workers' compensation carrier within:
- A.7 days
- B.14 days
- C.30 days
- D.3 days
Answer: A. s. 440.185(2) requires the employer to report the injury to its carrier within 7 days after actual knowledge and give the employee a copy.
7. Within 3 business days after learning of an injury, a Florida workers' compensation carrier must send the worker:
- A.A list of medical bills
- B.The first benefit check
- C.A denial or acceptance
- D.An informational brochure
Answer: D. s. 440.185(3) requires the carrier to mail or e-mail the department-approved brochure explaining the worker's rights, benefits and obligations.
8. A Florida carrier that starts paying benefits while it investigates must admit or deny compensability within:
- A.180 days
- B.120 days
- C.60 days
- D.90 days
Answer: B. Under s. 440.20(4), a carrier that pays pending investigation must admit or deny within 120 days after the initial provision of benefits, or it waives the right to deny, with narrow exceptions.
9. In Florida workers' compensation, the work accident must be the major contributing cause of the injury, which means:
- A.The only possible cause
- B.More than 50 percent responsible
- C.At least 25 percent of the cause
- D.Responsible in any part
Answer: B. s. 440.09(1) defines major contributing cause as the cause more than 50 percent responsible for the injury compared with all other causes combined.
10. Florida workers' compensation benefits are not payable if the injury was caused primarily by:
- A.The employer's negligence
- B.A missing machine guard
- C.A coworker's carelessness
- D.The worker's intoxication
Answer: D. s. 440.09(3) bars compensation for an injury occasioned primarily by the employee's intoxication, unprescribed drugs, or willful intent to injure. Coworker or employer fault does not matter in a no-fault system.
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