Workers’ compensation insurance at its core offers wage replacement to workers who become injured in the course of work or who acquire an occupational disease. Additional wrap around components of this insurance include help with medical costs, surgeries, and treatment and in some circumstances include partial and total disability benefits, specific loss benefits and death benefits. It is a crucial benefit as employees who suffer injury during work would otherwise have no way to support themselves, their family, and their own rehabilitation. The workplace still reports a worker injury rate of 2.7 per 100 workers every year with a quadrupling of occupational disease claims in recent times, underlining the importance of worker’s compensation.