Which of the following is a benefit provided by workers' compensation laws?

• A. Wage replacement
• B. Dental insurance
• C. Retirement savings matching
• D. Life insurance

Answer: (A)

Wages replacement is the essential benefit under workers’ compensation because the system is designed to protect workers from income loss when a work-related injury or illness prevents them from working. It provides income support by paying a portion of the injured worker’s wages during the disability, with the exact amount varying by jurisdiction and often expressed as a percentage of pre-injury earnings, sometimes with caps. Medical costs tied to the injury are handled separately within the same system, so the wage replacement portion specifically addresses lost earnings. Benefits like dental insurance, retirement savings matching, or life insurance are not provided by workers’ compensation laws; those are typically part of an employer’s broader benefits package, not the no-fault wage-replacement program.