Which benefits do workers' compensation policies typically cover?

Workers' compensation policies are designed to provide insurance protection for employees who suffer job-related injuries or illnesses. The benefits that these policies typically cover include medical expenses incurred due to the injury or illness, indemnity benefits (which replace lost wages during recovery), and rehabilitation benefits (which assist in the employee’s return to work, often through vocational training or therapy).

Medical benefits cover the costs of hospital visits, surgeries, medications, and other treatment necessary for recovery. Indemnity benefits ensure that employees receive compensation for lost income due to time away from work as a result of their condition, thereby helping to maintain financial stability during their recovery. Rehabilitation benefits are crucial as they aid employees in regaining their ability to work, whether through physical rehabilitation after a serious injury or job training if they are unable to return to their previous role.

The other options mention benefits that do not form the core of workers' compensation coverage. For instance, unemployment benefits are separate from the scope of workers' compensation, which focuses solely on job-related injuries and illnesses. Similarly, retirement, salary, and health benefits are typically covered by different types of insurance or employer-sponsored programs, not by workers' compensation policies. Thus, the inclusion of medical, indemnity, and rehabilitation illustrates the comprehensive