Which of the following is a method of providing workers' compensation benefits to employees?

• A. Commercial Insurance
• B. Health Savings Account
• C. Short-term loan program
• D. Employee wellness plan

Answer: (A)

Providing workers' compensation benefits is typically financed through insurance coverage the employer buys. Employers either purchase workers' compensation insurance from a private (commercial) insurer or participate in a state fund, and that insurance pays benefits to workers who are injured or become ill on the job. This makes commercial insurance the standard mechanism for delivering these benefits.

Health Savings Accounts are personal accounts for saving money to pay medical expenses, not a system for funding workers' comp benefits. Short-term loan programs are about borrowing money and don't fund wage replacement or medical benefits for workplace injuries. Employee wellness plans aim to promote health and prevent illness, not to provide compensation after an injury.