Which statement about workers' compensation coverage is true?

• A. It covers injuries that occur on the job, regardless of fault
• B. It covers only injuries caused by employer negligence
• C. It is optional for most employers
• D. It covers non-work-related illnesses only

Answer: (A)

Workers' compensation is a no-fault program that provides medical benefits and wage replacement to employees for injuries or illnesses that arise out of and during the course of employment. The key idea is that benefits are paid regardless of fault, so injuries that happen on the job are covered even if the employee was partly at fault. It also covers work-related illnesses, not only injuries. In most jurisdictions, coverage is mandatory for employers, not optional. It does not cover illnesses or injuries that are entirely non-work-related.