Which group is primarily affected by workers' compensation policies?

Workers' compensation policies are primarily designed to benefit injured employees who suffer work-related injuries or illnesses. These policies provide financial and medical assistance to employees, ensuring they receive necessary care and compensation for lost wages due to their inability to work as a result of these injuries. The primary goal of workers' compensation is to provide a safety net for employees, allowing them to recover and return to work without the burden of financial stress.

While employers play a significant role in workers' compensation, as they are typically responsible for obtaining the insurance and paying premiums, the main focus of these policies is the protection and support of the injured workers. This ensures that employees can receive prompt medical attention and compensation and are not left to bear the full financial consequences of workplace accidents.

Other groups, such as insurance agents and government agencies, are involved in the administration and regulation of workers' compensation but are not the ones primarily affected by the policies themselves. Therefore, the focus remains on the injured employees who are the direct beneficiaries of these protections.