Which is the primary benefit of Workers' Compensation insurance for employees?

The primary benefit of Workers' Compensation insurance for employees is wage replacement during recovery. This benefit ensures that workers who suffer injuries or illnesses related to their job receive income support while they are unable to work. These wage replacement benefits are crucial because they help injured employees sustain their financial obligations despite not earning their regular income due to their recovery from a work-related incident.

While reducing out-of-pocket medical expenses is important, it is secondary to the fundamental role of providing wage replacement, which directly impacts an employee's financial stability after an injury. Although legal fee coverage can be beneficial, it is not a primary focus of Workers' Compensation, as the system is designed to provide swift and direct benefits to employees without the need for litigation. Likewise, covering job-related travel expenses may assist employees in specific contexts, but it does not relate to the core aim of wage support during recovery, making it less significant compared to wage replacement.