Which statement correctly describes a feature of workers compensation law?

Workers' compensation law is designed to provide a structured system of benefits for employees who suffer work-related injuries or illnesses. One of its key features is that it limits the types of damages an injured worker can claim to specific categories, such as medical expenses, lost wages, and rehabilitation costs. This limitation is intended to simplify the process for both injured workers and employers, reducing the need for lengthy litigation and promoting quicker access to necessary benefits.

By establishing these defined benefits, workers’ compensation systems typically preclude workers from suing their employers for pain and suffering or other types of damages that are common in personal injury lawsuits, thereby creating a no-fault system. This feature helps create certainty and predictability in how claims are handled and benefits are paid.

In contrast, the other choices present elements that do not align with the core principles of workers’ compensation. For instance, while lawsuits against employers for negligence are generally not allowed in this system, the nature of coverage tends to be defined and mandatory rather than automatic, and providing coverage is typically a requirement for most employers, not a voluntary choice.