What types of mandatory insurance must employers pay?

• A. Health Insurance and Disability Insurance.
• B. Unemployment Insurance.
• C. Worker's Compensation.
• D. Worker's Compensation and Unemployment Insurance.

Answer: (D)

Mandatory protection for employees includes coverage for work-related injuries and for income if a job ends. Worker's compensation is required in most places and provides medical care and wage replacement for employees injured on the job, funded by employer premiums and governed by state law. Unemployment insurance is also mandatory for most employers, financed through payroll taxes and administered by state agencies, offering temporary benefits to workers who lose their job through no fault of their own.

Health insurance and disability insurance aren’t universally mandated for all employers by law. Health coverage rules depend on factors like company size and specific programs, and disability insurance is not a universal requirement in the same way as workers’ comp and unemployment insurance. Therefore, the combination of workers’ compensation and unemployment insurance best represents the types of mandatory employer insurance.