Jojo suffered a catastrophic injury while she was at work. Although she strongly suspects that the accident that injured her was caused by the carelessness of one of her co-workers, she cannot prove that fact. She therefore hopes to receive compensation for her loss from a workers' compensation scheme. Which of the following statements is TRUE?

a. Jojo cannot receive workers' compensation unless she can prove who caused the accident that resulted in her injury.
b. If Jojo receives workers' compensation, she will likely be entitled to receive less than she would have been entitled to receive if she had
been able to prove that her injury was caused by a tort and obtain damages at a common law trial.
c. Jojo is not entitled to workers' compensation unless she voluntarily contributed money toward the workers' compensation fund.
d. If Jojo is entitled to receive workers' compensation, she will receive compensation for her loss directly from her employer.
e. Workers' compensation schemes operate in less than half of Canada's provinces.