Hawaii Insurance License Practice Exam

What are the benefits provided under Workers' compensation intended for?

1. Supplemental income for laid-off employees

2. Medical expenses for workplace injuries

3. Pension for retired workers

4. Training for new job skills

The correct answer is: Medical expenses for workplace injuries

The benefits provided under Workers' compensation are primarily intended to cover medical expenses for workplace injuries. This insurance is designed to protect employees who suffer job-related injuries or illnesses by ensuring that they receive necessary medical treatment without the financial burden that such injuries might otherwise impose. When an employee is injured while performing their work duties, Workers' compensation facilitates coverage for medical bills, rehabilitation costs, and sometimes a portion of lost wages during recovery. This system helps ensure that workers can recover and return to their jobs, promoting both employee wellbeing and workplace safety. Options such as supplemental income for laid-off employees, pensions for retired workers, and training for new job skills while important in their own contexts, are not the primary focus of Workers' compensation. Instead, the program’s main goal is to support employees directly affected by injuries sustained in the course of their employment.