A construction worker is injured on a job site in Oregon. The contractor has valid workers' compensation insurance. What percentage of the worker's average weekly wage will they typically receive in temporary disability benefits?
Correct Answer
B) 66⅔%
Oregon workers' compensation provides temporary disability benefits at 66⅔% of the worker's average weekly wage, subject to maximum limits.
Why This Is the Correct Answer
Oregon's workers' compensation system, like most U.S. states, pays temporary total disability (TTD) benefits at 66⅔% (two-thirds) of the worker's average weekly wage, subject to a statutory maximum cap. This two-thirds standard is the nationwide norm derived from early 20th-century workers' comp legislation and is specifically codified in Oregon's workers' compensation statutes.
Why the Other Options Are Wrong
Option A: 75%
75% is not Oregon's statutory rate for temporary disability. No standard U.S. workers' compensation state uses 75% as the baseline TTD rate. This distractor may appeal to candidates who know the rate is 'more than two-thirds' but overestimate it.
Option C: 60%
60% is below Oregon's statutory rate. While some programs (such as certain federal disability systems) use rates in the 60% range, Oregon workers' compensation sets TTD benefits at 66⅔%. Choosing 60% underestimates the worker's entitlement.
Option D: 100%
100% replacement of wages is not provided under workers' compensation in any standard U.S. state system. The intentional reduction below full wages exists to maintain a work incentive and limit moral hazard. A worker receiving 100% of wages while injured has no financial incentive to return to work.
Memory Technique
66⅔% = Two-Thirds. Picture a pie cut into three equal slices: a worker on temporary disability gets exactly two of those three slices. The employer's insurance keeps the third. 'Two out of three slices go to the injured worker.'
More or-supplement Questions
Under ORS 701, what is the minimum amount of public liability insurance required for a CCB licensed contractor?
An employee is injured on a job site. The contractor's workers compensation premium was $2,400 annually. If they were operating without coverage, what is the minimum penalty multiplier applied to the premium?
A contractor completes a $12,000 deck project but the homeowner claims defective work. Under ORS 87, how long does the contractor have to file a lien for unpaid amounts?
Under ORS 701, what is the maximum amount a residential contractor can collect as a down payment before starting work?
A homeowner cancels a $8,000 roofing contract within the 3-day right to cancel period. The contractor had already ordered $1,200 in custom materials. How much can the contractor retain?
A general contractor hires a subcontractor who performs $15,000 worth of electrical work. The property owner pays the general contractor but the general contractor fails to pay the subcontractor. Calculate the subcontractor's maximum lien claim under ORS 87.
A renovation project in a 1972 home will disturb 15 square feet of painted trim. The contractor is not RRP certified. What must they do under Oregon lead regulations?
What is the minimum experience requirement for obtaining an Oregon CCB contractor license?
A homeowner hired an unlicensed contractor who abandoned a $25,000 project. The homeowner wants to file a claim with the CCB. What is the likely outcome?
A residential contractor completes a $35,000 kitchen remodel but fails to obtain required permits. Under Oregon law, what is the potential penalty?
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