What does Worker’s Compensation provide coverage for?

Worker’s Compensation is a type of insurance that provides benefits to employees who suffer job-related illnesses or injuries. This coverage is essential as it ensures that workers receive necessary medical treatment and compensation for lost wages due to their inability to work arising from incidents related to their job duties.

The focus on job-related illnesses or injuries highlights the specific nature of issues that are covered under Worker’s Compensation. This is distinct from other types of insurance, such as health insurance, which may cover a broader range of health-related expenses, including preventive care or routine wellness check-ups.

Preventive care and routine wellness check-ups are typically not covered by Worker’s Compensation because they do not relate to workplace injuries or conditions. Instead, they are commonly included under standard health insurance policies, which aim to maintain overall health rather than address specific work-related incidents.

Thus, the core purpose of Worker’s Compensation is to provide a safety net for employees facing health challenges directly linked to their employment, making it an essential component of workplace safety and employee welfare.