{"id":10501,"date":"2019-09-11T08:00:13","date_gmt":"2019-09-11T08:00:13","guid":{"rendered":"https:\/\/securenow.in\/blog\/?p=10501"},"modified":"2026-04-07T16:39:57","modified_gmt":"2026-04-07T16:39:57","slug":"why-is-workman-compensation-policy-important","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/why-is-workman-compensation-policy-important\/","title":{"rendered":"Why is workman compensation policy important?"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><p><span style=\"font-weight: 400;\">Expects every business to keep the work environment safe for its employees. The employer is legally liable to pay compensation. If an employee suffers an injury (leading to disablement) or death due to workplace accidents or illnesses during the scope of employment. The <\/span><a href=\"https:\/\/securenow.in\/group-insurance\/workmen-compensation-insurance\"><span style=\"font-weight: 400;\">Workmen\u2019s Compensation Act, 1923<\/span><\/a><span style=\"font-weight: 400;\"> clearly states to pay compensation to employees for each type of claim. A workers&#8217; compensation insurance policy is an effective way to protect employees and save the company from statutory liabilities related to employee claims. Let\u2019s get to know why is workman compensation important insurance and why has it become an integral part of businesses.<\/span><\/p>\n<h2 data-path-to-node=\"5\">Key Takeaways<\/h2>\n<ul data-path-to-node=\"6\">\n<li>\n<p data-path-to-node=\"6,0,0\"><b data-path-to-node=\"6,0,0\" data-index-in-node=\"0\">The No-Fault Shield:<\/b> Protection is triggered regardless of who is at fault. This prevents long, expensive internal disputes and ensures the employer is protected even if they were not negligent.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"6,1,0\"><b data-path-to-node=\"6,1,0\" data-index-in-node=\"0\">Renamed for Inclusivity:<\/b> Originally the &#8220;Workmen\u2019s Compensation Act,&#8221; it is now the <b data-path-to-node=\"6,1,0\" data-index-in-node=\"84\">Employee\u2019s Compensation Act<\/b>, reflecting a broader scope of protection for modern workforces.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"6,2,0\"><b data-path-to-node=\"6,2,0\" data-index-in-node=\"0\">Income Continuity:<\/b> The policy is not just for medical bills; it is designed to replace <b data-path-to-node=\"6,2,0\" data-index-in-node=\"87\">lost wages and income<\/b>, providing social security for the worker and their family.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"6,3,0\"><b data-path-to-node=\"6,3,0\" data-index-in-node=\"0\">Filling the &#8220;Part C&#8221; Gap:<\/b> Standard policies often exclude certain occupational diseases listed in <b data-path-to-node=\"6,3,0\" data-index-in-node=\"98\">Part \u2018C\u2019 of Schedule III<\/b> (like chronic lung issues). These must be specifically added as extensions for full protection.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"6,4,0\"><b data-path-to-node=\"6,4,0\" data-index-in-node=\"0\">Contractual Protection:<\/b> Many businesses mistakenly assume contractors are covered by default. Coverage for <b data-path-to-node=\"6,4,0\" data-index-in-node=\"107\">contractual employees<\/b> is usually an optional add-on that is crucial for construction and labor-heavy firms.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"6,5,0\"><b data-path-to-node=\"6,5,0\" data-index-in-node=\"0\">Statutory Requirement for Small Firms:<\/b> The 1923 Act specifically governs businesses with <b data-path-to-node=\"6,5,0\" data-index-in-node=\"89\">fewer than 20 employees<\/b>, making it a foundational insurance for small and medium enterprises (SMEs).<\/p>\n<\/li>\n<\/ul>\n<h2><b>What is the <\/b><b>workman compensation<\/b><b>? What does it cover?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Workman compensation policy<\/span><span style=\"font-weight: 400;\"> is an insurance policy that provides protection to employers against statutory liabilities that arise from employees who suffer an injury or death in a workplace accident or illness arising out of or during the course of employment. Specifically, businesses require to cover a work nature that exposes workers to hazardous environments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Workmen\u2019s Compensation Act, 1923 (now known as Employee\u2019s Compensation Act), social security legislation protects \u2018workmen\u2019 and their dependents. In case of an injury or death during job-related accidents or illness. As per the act, the employer is liable to compensate the employee who suffers workplace accidents or illness arising out of or in the course of employment for the following:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Death<\/strong> <\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Compensation as stated in the Workman Compensation Act is payable to the dependents of deceased employees.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Permanent total disablement<\/strong>\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"> In this case, if the employee was completely disabled and expects not to return to work in a lifetime. Pays Compensation to the disabled employee for loss of income.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Permanent partial disablement<\/strong>\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If the employee is permanently disabled and unable to perform work at full physical capacity even after the recovery. Pays Compensation to a disabled employee for loss of wages\/income (on a pro-rata basis) and medical expenses.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Temporary disablement (total or partial)<\/strong>\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"> It is the disability that temporarily makes an employee incapable to work. It can be of total or partial nature. Compensation, as stated in the Workmen\u2019s Compensation Act, will be payable to employees till recovery.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><strong>Legal expenses incurred with the prior consent of the insurer<\/strong><\/li>\n<\/ul>\n<h4><span style=\"font-weight: 400;\">Workman compensation policy<\/span> <span style=\"font-weight: 400;\">pays the compensation as it is stated in the <\/span><span style=\"font-weight: 400;\">Workmen\u2019s Compensation Act<\/span><span style=\"font-weight: 400;\">, 1923. Workmen&#8217;s Compensation Act 1923. governs businesses that employ less than 20 employees.<\/span><br \/>\n<span style=\"font-weight: 400;\">Click here<\/span><span style=\"font-weight: 400;\"> to know more about how the employer\u2019s liability is decided under a <\/span><span style=\"font-weight: 400;\">workman&#8217;s compensation policy.<\/span><\/h4>\n<h2><b>Importance of workman compensation<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Many businesses consider workman compensation as just an unnecessary cost to the business. But, the <\/span><a href=\"https:\/\/securenow.in\/group-insurance\/workmen-compensation-insurance\"><span style=\"font-weight: 400;\">workmen compensation policy<\/span><\/a><span style=\"font-weight: 400;\"> is an essential cost to businesses as it protects the business from the serious financial burden of compensating the employees and paying for their medical care. Specifically for high-risk businesses, it\u2019s important to have insurance protection to save themselves from costly claims and also to protect the employees. Here are some of the key benefits offered by <\/span><span style=\"font-weight: 400;\">workman compensation policy<\/span><span style=\"font-weight: 400;\"> because of which it is a wiser decision to have for businesses.<\/span><\/p>\n<h3><b>Benefits<\/b><\/h3>\n<ul>\n<li>\n<h4><b>No-fault coverage<\/b><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">No matter who is at fault, <\/span><span style=\"font-weight: 400;\">workman compensation policy<\/span><span style=\"font-weight: 400;\"> ensures provides protection to employees and to their dependents when workplace accident or illness results in death or disablement. Even if the employer is not at fault, would still provide compensation to employees.\u00a0<\/span><\/p>\n<ul>\n<li>\n<h4><b>Protection to employees<\/b><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The policy pays compensation to employees of the insured employer. Supposing workplace accidents or illnesses leading to death or disablement. In case of death of an employee occurs in a workplace accident or illnesses related to the job, dependents are paid compensation for the loss of regular income. In case accidental injuries or job-related illnesses result in disablement of any type, the policy compensates for the lost wage. And income along with paying for medical expenses.\u00a0<\/span><\/p>\n<ul>\n<li>\n<h4><b>Statutory benefits for the employer<\/b><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">It is the legal responsibility of every employer to protect the safety, health, and welfare of their employees. In case of any mishaps at the workplace. For any occupational illnesses leading to death or injury to a worker, the employer is responsible. As per <\/span><span style=\"font-weight: 400;\">Workman Compensation Act<\/span><span style=\"font-weight: 400;\">, 1923, the employer requires to compensate the employees and their dependents for loss of wage or income, medical expenses, and disability. <\/span><a href=\"https:\/\/securenow.in\/group-insurance\/workmen-compensation-insurance\"><span style=\"font-weight: 400;\">Workmen&#8217;s compensation policy<\/span><\/a><span style=\"font-weight: 400;\"> compensates the employer for statutory liabilities to employees as stated in the <\/span><span style=\"font-weight: 400;\">Workmen\u2019s Compensation Act<\/span><span style=\"font-weight: 400;\">, 1923. Without workers&#8217; compensation insurance, businesses are responsible for paying medical expenses. And even lost wages if an employee experiences injuries in a workplace accident.<\/span><\/p>\n<ul>\n<li>\n<h4><b>Extensions or add-on benefits<\/b><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Along with covering death, disablement, and medical care expenses, many of the workers&#8217; compensation policies in India provide extensions, to the main coverage at an additional cost. Offers many features as optional benefits under the <\/span><span style=\"font-weight: 400;\">workman compensation policy<\/span><span style=\"font-weight: 400;\">. For example, coverage for contractual employees includes in the policy as an extension. Same way, some policies provide extension cover for occupational diseases mentioned in Part \u2018C\u2019 of Schedule III of the <\/span><span style=\"font-weight: 400;\">Workmen Compensation Act<\/span><span style=\"font-weight: 400;\">, 1923 which are generally excluded from the main policy.<\/span><\/p>\n<h3>Summary Table: Statutory Liabilities and Coverage Tiers<\/h3>\n<table data-path-to-node=\"3\">\n<thead>\n<tr>\n<td><strong>Claim Type<\/strong><\/td>\n<td><strong>Impact on Employee<\/strong><\/td>\n<td><strong>Compensation Structure<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"3,1,0,0\"><b data-path-to-node=\"3,1,0,0\" data-index-in-node=\"0\">Death<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,1,1,0\">Fatal accident or job-related illness.<\/span><\/td>\n<td><span data-path-to-node=\"3,1,2,0\">Payable to <b data-path-to-node=\"3,1,2,0\" data-index-in-node=\"11\">dependents<\/b> for loss of regular income.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"3,2,0,0\"><b data-path-to-node=\"3,2,0,0\" data-index-in-node=\"0\">Permanent Total Disablement<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,2,1,0\">Complete disability; no return to work.<\/span><\/td>\n<td><span data-path-to-node=\"3,2,2,0\">Full compensation for <b data-path-to-node=\"3,2,2,0\" data-index-in-node=\"22\">total loss of lifetime income<\/b>.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"3,3,0,0\"><b data-path-to-node=\"3,3,0,0\" data-index-in-node=\"0\">Permanent Partial Disablement<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,3,1,0\">Reduced physical capacity after recovery.<\/span><\/td>\n<td><span data-path-to-node=\"3,3,2,0\">Paid on a <b data-path-to-node=\"3,3,2,0\" data-index-in-node=\"10\">pro-rata basis<\/b> for loss of earning capacity.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"3,4,0,0\"><b data-path-to-node=\"3,4,0,0\" data-index-in-node=\"0\">Temporary Disablement<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,4,1,0\">Incapable of working for a limited time.<\/span><\/td>\n<td><span data-path-to-node=\"3,4,2,0\">Periodic payments made <b data-path-to-node=\"3,4,2,0\" data-index-in-node=\"23\">until full recovery<\/b>.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"3,5,0,0\"><b data-path-to-node=\"3,5,0,0\" data-index-in-node=\"0\">Legal Expenses<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,5,1,0\">Litigation arising from employee claims.<\/span><\/td>\n<td><span data-path-to-node=\"3,5,2,0\">Paid by insurer with <b data-path-to-node=\"3,5,2,0\" data-index-in-node=\"21\">prior consent<\/b>.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"3,6,0,0\"><b data-path-to-node=\"3,6,0,0\" data-index-in-node=\"0\">Add-on Extensions<\/b><\/span><\/td>\n<td><span data-path-to-node=\"3,6,1,0\">Contractual labor or specific diseases.<\/span><\/td>\n<td><span data-path-to-node=\"3,6,2,0\">Covers <b data-path-to-node=\"3,6,2,0\" data-index-in-node=\"7\">Part \u2018C\u2019 illnesses<\/b> and third-party workers.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\"><strong>Workman compensation<\/strong> policy<\/span><span style=\"font-weight: 400;\"> provides two-way benefits. It works as an employee benefits package as well as saves the employer from legal complications. Arising out of statutory liabilities. Hence, a <\/span><span style=\"font-weight: 400;\">workman compensation policy<\/span><span style=\"font-weight: 400;\"> is one of the basic insurance, crucially needed for the business. SecureNow can help you choose the right policy as per your needs, you can <a href=\"https:\/\/securenow.in\/\">compare insurance quotes online<\/a> and get the best benefits available among different insurers.<\/span><\/p>\n<h3 data-path-to-node=\"8\">Frequently Asked Questions (FAQs)<\/h3>\n<h4 data-path-to-node=\"9\"><b data-path-to-node=\"9\" data-index-in-node=\"0\">1. Does &#8220;No-Fault&#8221; coverage mean the insurance pays even if the employee was careless?<\/b><\/h4>\n<p data-path-to-node=\"9\"><strong>A)<\/strong> Generally, yes. The policy is designed to provide immediate relief and protect the employer from statutory liability without a &#8220;blame game.&#8221; However, exceptions usually apply if the employee was under the influence of alcohol or drugs, or willfully disobeyed clear safety rules.<\/p>\n<h4 data-path-to-node=\"10\"><b data-path-to-node=\"10\" data-index-in-node=\"0\">2. What is the difference between &#8220;Permanent Total&#8221; and &#8220;Permanent Partial&#8221; disablement?<\/b><\/h4>\n<p data-path-to-node=\"10\"><strong>A)<\/strong> Permanent Total Disablement means the employee can never return to work in any capacity (e.g., loss of both eyes). Permanent Partial means they can still work but at a reduced physical capacity (e.g., loss of a finger), and the payout is adjusted based on their reduced ability to earn.<\/p>\n<h4 data-path-to-node=\"11\"><b data-path-to-node=\"11\" data-index-in-node=\"0\">3. Are diseases like &#8220;Asbestosis&#8221; covered under the basic policy?<\/b><\/h4>\n<p data-path-to-node=\"11\"><strong>A)<\/strong> Many occupational diseases mentioned in Part \u2018C\u2019 of the Act\u2019s schedule are excluded from the main policy. If your business involves chemicals, dust, or hazardous fumes, you must opt for an <b data-path-to-node=\"11\" data-index-in-node=\"255\">Occupational Disease extension<\/b> to ensure these illnesses are covered.<\/p>\n<h4 data-path-to-node=\"12\"><b data-path-to-node=\"12\" data-index-in-node=\"0\">4. Why is this policy important for a business with only 5 or 10 employees?<\/b><\/h4>\n<p data-path-to-node=\"12\"><strong>A)<\/strong> Small businesses are often governed by the Workmen\u2019s Compensation Act, 1923. For a small firm, a single death or disability claim could be financially devastating. This insurance ensures that the business doesn&#8217;t have to pay massive statutory settlements out of its own pocket.<\/p>\n<h4 data-path-to-node=\"13\"><b data-path-to-node=\"13\" data-index-in-node=\"0\">5. Can I include my temporary or contract workers under my main WC policy?<\/b><\/h4>\n<p data-path-to-node=\"13\"><strong>A)<\/strong> Standard policies usually cover direct, permanent employees. To cover workers hired through a contractor or sub-contractor, you must specifically include a <b data-path-to-node=\"13\" data-index-in-node=\"231\">Contractual Employee Extension<\/b> in your policy to avoid legal complications during a claim.<\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does \\\"No-Fault\\\" coverage mean the insurance pays even if the employee was careless?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A) Generally, yes. The policy is designed to provide immediate relief and protect the employer from statutory liability without a \\\"blame game.\\\" However, exceptions usually apply if the employee was under the influence of alcohol or drugs, or willfully disobeyed clear safety rules.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the difference between \\\"Permanent Total\\\" and \\\"Permanent Partial\\\" disablement?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A) Permanent Total Disablement means the employee can never return to work in any capacity (e.g., loss of both eyes). Permanent Partial means they can still work but at a reduced physical capacity (e.g., loss of a finger), and the payout is adjusted based on their reduced ability to earn.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Are diseases like \\\"Asbestosis\\\" covered under the basic policy?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A) Many occupational diseases mentioned in Part \u2018C\u2019 of the Act\u2019s schedule are excluded from the main policy. If your business involves chemicals, dust, or hazardous fumes, you must opt for an Occupational Disease extension to ensure these illnesses are covered.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Why is this policy important for a business with only 5 or 10 employees?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A) Small businesses are often governed by the Workmen\u2019s Compensation Act, 1923. For a small firm, a single death or disability claim could be financially devastating. This insurance ensures that the business doesn't have to pay massive statutory settlements out of its own pocket.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I include my temporary or contract workers under my main WC policy?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A) Standard policies usually cover direct, permanent employees. To cover workers hired through a contractor or sub-contractor, you must specifically include a Contractual Employee Extension in your policy to avoid legal complications during a claim.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n<h4><b>About The Author<\/b><\/h4>\n<p><span style=\"font-weight: 400;\"><strong>Rahul Kumar<\/strong>\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">MBA Finance<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With a wealth of experience in the insurance industry, Rahul is a seasoned writer specializing in articles related to workmen compensation policies (WC policies) for SecureNow. With 12 years of experience in the field, he has acquired in-depth knowledge and expertise in workmen compensation insurance, understanding its complexities and nuances. Their insightful articles provide valuable insights into the importance of WC policies for businesses and employees alike, offering practical advice and guidance on navigating the intricacies of insurance coverage. Trust him to deliver informative and engaging content, backed by years of experience and a passion for educating readers about insurance-related topics.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Expects every business to keep the work environment safe for its employees. The employer is legally liable to pay compensation. If an employee suffers an injury (leading to disablement) or death due to workplace accidents or illnesses during the scope of employment. The Workmen\u2019s Compensation Act, 1923 clearly states to pay compensation to employees for [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":9562,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"no","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[296,295],"tags":[60,1848],"class_list":["post-10501","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-importance-workmen-compensation","category-workmen-compensation","tag-workmen-compensation-insurance-policy","tag-workman-compensation"],"acf":[],"modified_by":"SecureNow","_links":{"self":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/10501","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/comments?post=10501"}],"version-history":[{"count":23,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/10501\/revisions"}],"predecessor-version":[{"id":36167,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/10501\/revisions\/36167"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/media?parent=10501"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/categories?post=10501"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/tags?post=10501"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}