Which statement is TRUE regarding workers' compensation claims?

The statement that exclusive remedy protects the employer from lawsuits is accurate and reflects a fundamental principle of workers' compensation laws. When an employee is injured on the job, workers' compensation provides them with benefits such as medical treatment and wage replacement, but it also limits their ability to pursue civil lawsuits against their employer. This means that the employee cannot sue the employer for additional damages outside the scope of the workers' compensation benefits, which serves as a safeguard for employers against legal actions related to workplace injuries. This system is designed to streamline compensation for injured workers while providing employers with a degree of protection from litigation.

Regarding the other statements, they imply misunderstandings of the workers' compensation system. For instance, the assertion that an injured employee can sue their employer contradicts the premise of the exclusive remedy protection. Furthermore, not all employees are exempt from workers' compensation; while some may be excluded based on specific criteria, most employees are covered. Lastly, the idea that workers' compensation only covers physical injuries overlooks that many jurisdictions also allow for compensation related to mental or psychological injuries resulting from on-the-job incidents. Therefore, the claim about exclusive remedy accurately captures a key aspect of workers' compensation law.