What two main areas does workers' compensation insurance typically cover?

Workers' compensation insurance primarily focuses on two core aspects: medical costs incurred due to workplace injuries and lost time wages resulting from those injuries. This coverage ensures that employees receive necessary medical treatment for their work-related injuries without having to bear the financial burden themselves.

Additionally, in the event that an employee is unable to work due to their injury, workers' compensation also provides wage replacement benefits, helping to support the worker during their recovery period. This dual coverage aims to provide a safety net for workers while allowing them to focus on healing rather than the financial implications of their situation.

Other options touch on various elements related to work injury but do not capture the primary functions of workers' compensation as comprehensively as the correct choice does.