What does workers' compensation insurance cover in Florida?

Workers' compensation insurance in Florida comprehensively covers several key areas to support employees who are injured on the job. The correct choice highlights that this insurance provides wage loss benefits, which help replace a portion of the employee's lost income due to an inability to work following an injury.

In addition to wage loss benefits, workers' compensation also includes coverage for rehabilitation services. These services can assist injured employees in recovering and returning to work, which is vital for their reintegration into the workplace and overall well-being. This broad coverage ensures that employees receive not only medical treatment for their injuries but also financial support during their recovery period.

The other options present limited or incorrect interpretations of what workers' compensation encompasses. For instance, the first option incorrectly suggests that only medical expenses are covered, neglecting wage loss and rehabilitation, which are critical components of the benefits. The third option is similarly restrictive by focusing solely on physical therapy, while workers' compensation covers a wider range of medical treatments. Lastly, the fourth option mischaracterizes workers' compensation as healthcare insurance for all employees, whereas it is specifically designed for work-related injuries and does not function as general health insurance.