問 最近(jin)公(gong)司(si)為我(wo)們繳納了(le)保(bao)險，但是不知道其中的工傷保(bao)險有(you)什么(me)用呢？

答(da) 五險(xian)(xian)一金中的工(gong)(gong)(gong)傷(shang)(shang)保險(xian)(xian)是(shi)(shi)不需要自(zi)己繳(jiao)錢的，但是(shi)(shi)它的作用卻非常大。根據(ju)工(gong)(gong)(gong)傷(shang)(shang)保險(xian)(xian)的認定，勞(lao)動(dong)者因工(gong)(gong)(gong)負傷(shang)(shang)或職業(ye)病暫時(shi)失(shi)去勞(lao)動(dong)能力，工(gong)(gong)(gong)傷(shang)(shang)不管什么原因，責任(ren)在個人或在企業(ye)，都享有社會保險(xian)(xian)待遇，即補償不究過失(shi)原則。由于職業(ye)危害無(wu)所不在，無(wu)時(shi)不在，所以工(gong)(gong)(gong)傷(shang)(shang)保險(xian)(xian)非常有用。