PSI Ohio Insurance Practice Exam

Workers' compensation coverage is specifically designed to provide financial benefits to employees who sustain injuries or illnesses that are directly related to their job duties. This type of insurance not only assists with medical expenses resulting from work-related injuries but also covers lost wages if the employee is unable to work due to their condition. Additionally, workers' compensation may provide rehabilitation services to help employees return to work.

Life insurance, health insurance, and general liability insurance serve different purposes. Life insurance provides financial protection to beneficiaries upon the death of the insured individual. Health insurance covers various medical expenses but does not specifically focus on injuries sustained at work. General liability insurance, on the other hand, protects businesses from claims related to injury or damage caused by their operations, but it does not offer direct benefits to employees for work-related injuries. Thus, the primary purpose and benefits of workers' compensation distinctly align with the needs of employees facing work-related challenges.