Final answer:
Safety training programs are the most effective in reducing workers' compensation claims by teaching employees how to prevent workplace injuries.
Step-by-step explanation:
Among the types of programs that can help reduce workers' compensation claims, safety training programs stand out as the most effective. This is because they directly address the cause of workplace injuries by equipping employees with the knowledge and skills to avoid accidents and safely perform their job duties. While health insurance programs, retirement benefit programs, and employee assistance programs can support overall employee well-being, they do not directly impact the reduction of workplace injuries like safety training programs do. Employers invest in these training programs, alongside workman's compensation insurance, as part of the total compensation to ensure a safe working environment and mitigate the risks associated with workplace injuries, thus potentially reducing the number of claims made for compensation due to workplace accidents.