Final answer:
Worker's compensation programs are typically financed by employers and state governments, where employers pay a small percentage of their payroll into state-managed funds.
Step-by-step explanation:
Most worker's compensation programs are jointly financed by employers and state governments. Workman's compensation insurance requires that employers contribute a small percentage of the salaries they pay into funds. These funds are typically managed at the state level and are used to provide benefits to workers who suffer injuries on the job. This system is an example of a social insurance program where members of a group (in this case, employers) make regular payments, ensuring that those who encounter an adverse experience (such as work-related injuries) receive financial support.