What does a workers' compensation insurance plan primarily provide?

A workers' compensation insurance plan primarily provides coverage for work-related injuries. This type of insurance is specifically designed to assist employees who sustain injuries or illnesses as a direct result of their job. It ensures that affected workers receive medical benefits for treatment, compensation for lost wages during their recovery, and, in some cases, rehabilitation services to help them return to work.

By focusing on injuries and illnesses that occur in the course of employment, workers' compensation serves as a safety net that aims to protect both employees and employers. Employees can receive timely care and monetary support without the need to prove negligence on the part of the employer, while employers benefit from the legal protection that limits further liability concerning workplace injuries.

The other options do not align with the core function of workers' compensation. Life insurance for employees is a separate benefit, while treatment for medical emergencies is not specific to workplace injuries and typically falls under general health insurance. Lastly, disability benefits for retirees relate to an entirely different category of insurance, focusing on long-term support after a worker has left the workforce, rather than on injuries sustained while employed.