Which of the following is a key feature of Workers' Compensation insurance?

Workers' Compensation insurance is specifically designed to provide benefits to employees who are injured or become ill as a direct result of their job. A key feature of this insurance is that it provides coverage for work-related injuries regardless of fault. This means that employees do not have to prove that their employer was negligent or responsible for the injury in order to receive benefits. This no-fault system allows for a streamlined process where injured workers can receive medical treatment, wage replacement, and rehabilitation services quickly and efficiently.

In addition, the no-fault aspect of Workers' Compensation helps to reduce litigation costs and disputes between employers and employees, promoting a more cooperative working environment. Employees can focus on recovery without the added stress of legal battles over blame for their injuries.

The other choices do not accurately reflect key features of Workers' Compensation insurance. For example, unlimited claim payouts are not a standard feature, as most policies have specific limits and caps. Additionally, Workers' Compensation is not solely regulated by federal law; it is primarily governed by state laws, which can vary significantly. Lastly, injuries sustained during commuting are typically not covered because they are considered outside the scope of work.