1. The primary purpose of workers' compensation insurance is to:

Provide statutory benefits to employees injured on the job, generally regardless of fault

Workers' compensation provides statutory medical and wage-loss benefits to employees injured in the course of employment, generally without regard to fault.

2. Today, West Virginia employers obtain workers' compensation insurance in a market that is:

Competitive and served by private insurers, after the state moved away from a monopolistic state fund

West Virginia transitioned from a monopolistic state fund to a competitive private workers' compensation market served by private insurers.

3. Under the exclusive remedy concept, workers' compensation benefits are generally:

The employee's sole remedy against the employer for a covered work injury, with limited exceptions

The exclusive remedy doctrine generally makes workers' compensation the employee's sole remedy against the employer for a covered job injury, subject to limited exceptions.

4. Workers' compensation benefits typically include medical care, disability income, rehabilitation, and:

Death benefits to eligible survivors

Workers' compensation provides medical, disability income, rehabilitation, and death benefits to eligible survivors of a worker killed on the job.