Encountering an injury at work can result in financial strain, from unforeseen medical expenses to managing bills while unable to work. If you’ve found yourself in such a situation, you’re likely pondering, ‘Who pays for work-related injuries?’
The answer isn’t straightforward and depends on various factors. In this comprehensive guide, we’ll explore:
1. Eligibility for workers’ compensation
2. Filing for other disability benefits
3. The possibility of suing your employer
4. Suing another company for a work-related injury
5. Strategies for seeking compensation for work-related injuries
1. Eligibility for Workers’ Compensation
In most instances, your employer’s insurance company is responsible for covering work-related injuries. States typically mandate employers to carry workers’ compensation coverage. To confirm your eligibility for these benefits, you can inquire with your employer or consult with a knowledgeable attorney specializing in representing injured workers.
2. Filing for Other Disability Benefits
Another avenue after a workplace injury is filing for alternative disability benefits, such as Social Security Disability Insurance (SSDI). While SSDI covers non-work-related injuries as well, eligibility hinges on having sufficient Social Security credits. Navigating the complexities of an SSDI claim benefits from the guidance of a local attorney familiar with the process.
The U.S. Social Security Administration administers SSDI, funded by employment taxes paid by both employers and employees.
3. Suing Your Employer
In general, eligibility for workers’ comp typically bars you from suing your employer. In such cases, your employer’s workers’ comp insurance shoulders the responsibility for your work-related injury. However, if you’re ineligible for workers’ comp, perhaps due to lack of coverage or classification as a non-employee, you might have grounds to sue your employer. Many companies carry insurance to cover such lawsuits.
4. Suing Another Company for a Work-Related Injury
Benefits from workers’ comp and SSDI might not cover all costs related to work-related injuries. If you require more than the maximum available benefits, consulting an attorney can reveal options, including suing a company other than your employer. Potential targets for lawsuits include auto insurance companies, property owners, product manufacturers, contractors, and subcontractors.
5. Seeking Compensation for a Work-Related Injury
Given the diverse options available, seeking compensation for a work-related injury involves specific steps based on the claims you can file. Consulting with an attorney specializing in work-related injuries is the most prudent approach. An experienced attorney can evaluate your eligibility for workers’ comp, SSDI, and other benefits. Additionally, they can guide you on whether a lawsuit is necessary to secure full compensation for your injury-related losses.
Understanding these facets provides clarity amidst the complexity of work-related injury compensation, ensuring you can navigate the process effectively.