National Evaluation Series (NES) Business Studies Practice Test

Workers' compensation coverage is primarily designed to provide benefits for employees who suffer injuries or illnesses that arise out of and in the course of their employment. This means that injuries and illnesses that are directly related to job-related activities, such as accidents that occur while performing work duties or health issues that are a direct result of workplace conditions, are typically covered.

By focusing on job-related activities, workers' compensation aims to ensure that employees can receive the necessary medical treatment and wage replacement without having to prove fault or negligence. This system is beneficial both for employees, who gain access to care and support, and for employers, who can manage risk and liability through insurance coverage.

In contrast, the other options do not align with the core principles of workers' compensation. For example, injuries sustained during natural disasters may not be covered unless there is a direct link to job duties at that moment. Medical expenses unrelated to work are not covered, as the system is strictly about workplace incidents. Lastly, voluntary health insurance claims relate to personal health issues rather than occupational injuries, further distinguishing them from the scope of workers' compensation.