In the context of the Workers Compensation insurance, who is covered for injuries?

• A. Only full-time employees
• B. All employees, including part-time workers
• C. Independent contractors
• D. All citizens regardless of their employment status

Answer: (B)

In the context of Workers Compensation insurance, the coverage extends to all employees, including part-time workers. This is a fundamental aspect of Workers Compensation, as its purpose is to provide financial and medical benefits to any worker who sustains an injury or illness as a result of their job, regardless of the number of hours they work.

By including part-time workers, the coverage ensures that enterprises take responsibility for ensuring a safe working environment for everyone. This broad coverage is crucial because it recognizes that injuries can happen at any workplace, affecting any employee, not just those who are full-time.

Independent contractors typically do not qualify for Workers Compensation through a traditional employer-employee relationship, which is why they are not covered. Additionally, the concept of coverage for all citizens regardless of employment status misunderstands the targeted nature of Workers Compensation, as it specifically addresses workplace injuries rather than offering universal coverage for all types of injuries. Thus, option B accurately reflects the comprehensive nature of Workers Compensation insurance in terms of employee coverage.