Final answer:
Workers' Compensation is the insurance initiated by employers to provide benefits to employees injured on the job, and is required by law in the US. Most employers contribute to state funds that offer these benefits, safeguarding employees' financial and medical needs post-injury.
Step-by-step explanation:
The correct answer to the student's question is A. Workers' Compensation. The purpose of workers' compensation insurance is to provide financial benefits and medical care for employees who are injured on the job. In the United States, most employers are legally required to carry this form of insurance. Employers contribute a small percentage of their payroll to state-run funds, ensuring that workers have access to benefits in case they suffer workplace injuries. This system is designed to support employees in their recovery and help them return to work, while also protecting businesses from direct lawsuits by injured employees.