What is the term for protection from income loss due to work-related injuries?

• A. Disability insurance
• B. Workers' Compensation
• C. Unemployment benefits
• D. Health insurance

Answer: (B)

When a worker is injured on the job, the protection that specifically covers income loss and medical care is workers’ compensation. This no-fault system is funded by employers and handled under state laws, and it provides wage replacement so you don’t go without pay while you recover, along with medical treatment and rehabilitation as needed. The key idea is that benefits flow from the job injury itself, not from fault or unemployment, and you typically don’t sue your employer to receive them. This makes it distinct from health insurance, which pays medical bills for health issues (not necessarily lost wages), and from unemployment benefits, which support people who lose their jobs for reasons unrelated to a workplace injury. It’s also different from disability insurance, which can cover non-work-related disabilities and may be private or government-provided, depending on the policy.