Which type of insurance pays benefits for injuries sustained while working?

Workers' Compensation Insurance is specifically designed to provide benefits to employees who suffer injuries or illnesses as a result of their job. This type of insurance covers medical expenses related to the injury, lost wages due to time away from work, and in some cases, rehabilitation costs. It aims to protect both the employee and the employer; the employee receives financial support for their work-related injuries without needing to prove fault, while the employer is generally protected from lawsuits by employees for workplace injuries.

This focus on work-related injuries makes Workers' Compensation distinct from other types of insurance. Health Insurance typically covers a wide range of medical conditions but does not specifically address the context of injuries sustained while working. Life Insurance provides benefits upon the death of the insured but has no relation to injuries; it does not offer compensation for any form of medical expenses or lost wages. Disability Insurance helps individuals who are unable to work due to a disability, which may or may not be work-related, but it doesn’t specifically cover the work-related injuries or illnesses that Workers' Compensation Insurance does. Therefore, the unique coverage aspects of Workers' Compensation Insurance make it the correct choice for benefits related to injuries sustained at work.