Workers’ compensation is a vital insurance program that protects workers who suffer injuries or illnesses while performing their duties. In most cases, an employer or insurance company pays workers’ compensation benefits, and the injured worker gives up the right to sue their employer for damages. However, in some cases, a third party may be responsible for the injury or illness, and the injured worker may be able to file a third-party claim to recover additional compensation.
What Are Third-Party Claims in Workers’ Compensation?
Third-party claims in workers’ compensation refer to claims filed against a party other than the employer or their insurance company. In other words, if someone other than the employer or a co-worker caused the worker’s injury or illness, the injured worker may be able to file a third-party claim. These claims may be filed against various parties, including contractors, subcontractors, equipment manufacturers, and property owners.
Why Are Third-Party Claims Important in Workers’ Compensation?
Third-party claims are essential in workers’ compensation cases because they allow injured workers to recover additional compensation beyond what is available through workers’ compensation benefits. Workers’ compensation benefits typically cover medical expenses, lost wages, and disability benefits but may not provide adequate compensation for pain and suffering or other damages. The injured worker can pursue compensation for these additional damages by filing a third-party claim. For example, suppose a construction worker suffers a severe injury due to defective equipment. In that case, they may be able to file a third-party claim against the equipment manufacturer to recover compensation for their pain and suffering, in addition to the benefits they receive through workers’ compensation.
In conclusion, third-party claims are essential to workers’ compensation law https://munley.com/reading/workers-compensation-lawyer/third-party-claims/ . They allow injured workers to recover additional compensation and hold responsible parties accountable for their negligence or wrongdoing. Suppose you have suffered an injury or illness while performing your job duties. In that case, it is essential to consult with an experienced workers’ compensation lawyer who can help you determine if you have a viable third-party claim. Doing so can ensure you receive the compensation you deserve and protect your rights under the law.