Worker's compensation is paid for by the_____________.

Worker's compensation is a form of insurance that provides wage replacement and medical benefits to employees who are injured during the course of their employment. The responsibility for funding this insurance falls on the employer.

Employers are required by law to carry worker's compensation insurance to cover their employees in case of job-related injuries or illnesses. This system is designed to protect both the employee and the employer: it provides financial support for injured workers while also limiting the employer's liability in the event of workplace accidents.

By obtaining this insurance, employers ensure that they comply with legal obligations and offer a safety net for their employees, helping them recover from work-related injuries without facing high out-of-pocket costs. The premiums for worker's compensation insurance are based on the employer's industry classification, the risk associated with their work, and their claims history.

Other parties listed—homeowners, employees, and the government—do not typically bear the direct financial responsibility for funding worker's compensation in the conventional employment context. The system is structured to place that onus on employers to foster a safer work environment and to provide necessary support to workers when accidents occur.