Final answer:
Disability payments through workers' compensation insurance are primarily based on the severity of the work-related injury or illness. Correct option is 2.
Step-by-step explanation:
Disability payments through workers' compensation insurance are primarily based on the severity of the work-related injury or illness. Workers who suffer from a more severe injury or illness are more likely to receive higher disability payments. Other factors, such as the individual's educational qualifications and employment history, are not typically considered when determining disability payments.