問 最近公司為我(wo)們繳納了保險(xian)，但(dan)是不知道其(qi)中的工傷保險(xian)有(you)什么用呢(ni)？

答(da) 五險(xian)一金(jin)中的(de)工(gong)(gong)(gong)傷(shang)(shang)保(bao)(bao)險(xian)是不需要自己繳錢的(de)，但是它的(de)作用(yong)卻非常大。根據工(gong)(gong)(gong)傷(shang)(shang)保(bao)(bao)險(xian)的(de)認定，勞動者因工(gong)(gong)(gong)負傷(shang)(shang)或(huo)職業(ye)病暫時失(shi)去(qu)勞動能(neng)力，工(gong)(gong)(gong)傷(shang)(shang)不管什么原因，責(ze)任在個人或(huo)在企業(ye)，都享有社會保(bao)(bao)險(xian)待遇，即補(bu)償不究過失(shi)原則。由于職業(ye)危害無所不在，無時不在，所以(yi)工(gong)(gong)(gong)傷(shang)(shang)保(bao)(bao)險(xian)非常有用(yong)。