What are the basic benefits available under a typical workers' compensation policy?

The basic benefits available under a typical workers' compensation policy include medical expenses, loss of income, and rehabilitation.

Medical expenses cover the costs of treatment for work-related injuries or illnesses, ensuring that employees receive the necessary healthcare to recover and return to work. Loss of income benefits provide financial support for workers who are unable to earn their regular wages due to their injuries, helping to replace lost earnings during recovery. Rehabilitation benefits are designed to assist injured workers in regaining their ability to work, which may include physical therapy, vocational training, or other services aimed at returning them to gainful employment.

This combination of benefits aims to support the wellbeing of employees while also facilitating their reintegration into the workforce after an injury. Other options listed do not align with the primary intent and provisions typically seen in workers' compensation policies. For example, pension benefits and severance pay pertain to retirement or voluntary termination scenarios, which are separate from workplace injuries, while life insurance and health insurance are not specifically part of workers' compensation coverage.