What characterizes states with monopolistic workers' compensation programs?

States with monopolistic workers' compensation programs are characterized by the requirement that coverage for work-related injuries and illnesses must come exclusively from the state-operated program. This means that private insurance companies are not permitted to offer workers' compensation insurance in these states. The state's program provides all necessary coverage, ensuring that employers do not have a choice in selecting their insurance provider. This system aims to streamline the process and ensure that all workers receive uniform benefits under the state guidelines.

The other options describe conditions that do not apply to monopolistic programs. Mixed private and public coverage suggests a combination that exists in competitive states. Allowing multiple providers implies a market where competition exists, which is not the case in a monopolistic system. Finally, stating that there is no workers' compensation system altogether is inaccurate, as monopolistic states do have a structured program, just one that does not allow for private options.