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Workers' compensation provides coverage for:

  1. dependents of active and retired military personnel

  2. surviving spouses of veterans who died from service-related disabilities

  3. most citizens aged 65 and over as well as people with disabilities

  4. people with job-related illnesses or injuries

The correct answer is: people with job-related illnesses or injuries

Workers' compensation is a type of insurance that provides coverage for employees who are injured or develop work-related illnesses while performing their job duties. This coverage is specifically tailored to protect workers and their families in the event of a workplace accident or occupational disease. Option A is incorrect because dependents of active and retired military personnel are generally covered under the military's own insurance programs. Option B is incorrect because surviving spouses of veterans who died from service-related disabilities are typically covered under the VA's Dependency and Indemnity Compensation program, which provides financial assistance rather than workers' compensation. Option C is incorrect because citizens aged 65 and over and people with disabilities are typically covered under other government programs such as Medicare or Social Security Disability Insurance, not workers' compensation. Therefore, the correct answer is D, as it specifically states that workers' compensation covers people with job-related illnesses or injuries.