What does workers compensation insurance cover regarding work-related sickness or injuries?

Workers' compensation insurance provides comprehensive coverage for employees who suffer from work-related illnesses or injuries. This includes both medical expenses, which cover the costs associated with treatment, hospitalization, medications, and any other necessary care related to the injury or illness, as well as income loss, which compensates employees for wages they are unable to earn due to their incapacitation.

This dual coverage is essential because it ensures that workers can access necessary medical treatment without facing financial hardship and that they receive income replacement during their recovery period, thus helping to maintain their standard of living while they are unable to work. By addressing both medical needs and income security, workers' compensation promotes a more balanced approach to employee health and financial stability after a work-related incident.

Other options, such as coverage for only one aspect of recovery or rehabilitation costs, fail to provide the holistic support that workers' compensation is designed to offer, which includes protecting both the health and economic wellbeing of the injured worker.