Final answer:
Workers' compensation insurance covers work-related injuries and is funded by employers, distinguishing it from other types of employee benefits and insurance. All listed items are excluded except for payments related to on-the-job injuries.
Step-by-step explanation:
The question pertains to what is included in workers' compensation insurance coverage. Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment.
This exclusion would not typically include items such as personal health insurance or retirement plans, nor is it intended to substitute for employer contributions to Social Security, Medicare, or unemployment insurance. However, within the scope of workers' compensation insurance, it is purposefully designed to cover work-related injuries, which is the exception amongst the options listed in the question.
Therefore, from the provided options, all are generally excluded from a workers' compensation policy except for payments related to work-related injuries. Employers fund state-level workers' compensation by paying a fraction of their payroll, which ensures that workers are compensated for injuries sustained on the job.