Which type of benefit should an employee file for when they can no longer work due to an illness or injury?

When an employee can no longer work due to an illness or injury, the most appropriate type of benefit to file for is disability benefits. These benefits are specifically designed to provide financial assistance and support for individuals who are unable to perform their job duties due to a medical condition.

Disability benefits often cover a portion of the employee's lost wages and may also include access to medical care, rehabilitation services, and other support resources. This type of benefit typically requires the employee to provide medical documentation to prove their inability to work and may have different eligibility criteria based on the employer's policy or state laws.

In contrast, retirement benefits are intended for those who are retiring from the workforce, paid leave usually covers a temporary absence while still maintaining employment (such as sick leave or vacation), and health insurance provides coverage for medical expenses but does not directly address the income loss resulting from being unable to work. Therefore, disability benefits are tailored specifically for situations where an employee is incapacitated and cannot earn their regular income, making them the correct choice in this scenario.