What is the primary purpose of workers' compensation insurance?

What is the primary purpose of workers' compensation insurance?

• A. To provide comprehensive health care coverage
• B. To financially protect employers against lawsuits
• C. To ensure employees receive compensation for work-related injuries
• D. To cover any type of employee injury

Answer: (C)

The primary purpose of workers' compensation insurance is to ensure that employees receive compensation for work-related injuries. This system is designed to provide financial support to workers who are injured on the job, covering medical expenses, rehabilitation costs, and a portion of lost wages due to time off work. By guaranteeing that employees can receive these benefits, workers' compensation helps to protect their rights and welfare, ensuring they have access to necessary care and financial relief in the event of an injury. This focus on providing compensation for work-related injuries distinguishes workers' compensation from other types of insurance, such as comprehensive health care coverage, which may not specifically address workplace injuries. Additionally, while workers' compensation does offer some level of protection against lawsuits for employers, its core mission is to guarantee employees are taken care of following work-related incidents. Lastly, covering any type of employee injury is broader than the intended scope of the program, as workers' compensation specifically pertains to incidents occurring in the context of employment.

The primary purpose of workers' compensation insurance is to ensure that employees receive compensation for work-related injuries. This system is designed to provide financial support to workers who are injured on the job, covering medical expenses, rehabilitation costs, and a portion of lost wages due to time off work. By guaranteeing that employees can receive these benefits, workers' compensation helps to protect their rights and welfare, ensuring they have access to necessary care and financial relief in the event of an injury.

This focus on providing compensation for work-related injuries distinguishes workers' compensation from other types of insurance, such as comprehensive health care coverage, which may not specifically address workplace injuries. Additionally, while workers' compensation does offer some level of protection against lawsuits for employers, its core mission is to guarantee employees are taken care of following work-related incidents. Lastly, covering any type of employee injury is broader than the intended scope of the program, as workers' compensation specifically pertains to incidents occurring in the context of employment.