What is the primary purpose of workers' compensation insurance?

The primary purpose of workers' compensation insurance is to ensure employees receive benefits after sustaining injuries or illnesses that arise out of and in the course of their employment. This system is designed to provide financial and medical support to workers while also facilitating their recovery and return to work.

In the context of workers' compensation, benefits typically include medical expenses related to the treatment of the injury, wage replacement for lost income during recovery, and compensation for potential long-term disabilities. By providing these benefits, workers' compensation helps to ensure that injured employees do not face financial hardship due to work-related incidents.

The focus of this system is on safeguarding the well-being of employees who are injured on the job, thus promoting a healthier workforce and minimizing the impact of workplace injuries on both employees and employers.