Which type of insurance is specifically designed to cover workers who are laid off?

Unemployment insurance is specifically designed to provide financial assistance to workers who have lost their jobs due to layoffs or other qualifying circumstances that are not their fault. This insurance helps individuals meet their financial needs while they search for new employment. It is typically funded through taxes on employers and serves as a safety net for workers during periods of unemployment.

The other types of insurance mentioned do not serve this purpose. Workers' compensation provides benefits for employees who are injured on the job, disability insurance offers income replacement for individuals who cannot work due to a disability, and health insurance covers medical expenses but does not provide support for those who are unemployed. Each of these serves distinct functions that do not address the specific situation of job loss due to layoffs.