Workers' compensation was designed to provide wage and medical payments to employees quickly after a work injury, and remove the need to file a lawsuit to recover compensation. In this way, workers' compensation insurance works similarly to other no-fault insurance systems: an employee can file a claim after an injury and receive benefits no matter whose negligence caused the accident.
The Many Benefits of the Workers’ Compensation System
Workers’ compensation is essentially a contract between employers and employees. The employer provides fixed benefit payments after a work injury or occupational illness, and employees relinquish the right to sue the employer in exchange.
Workers’ compensation provides a number of protections to:
- Injured employees. Since injured workers do not have to prove negligence, injury payments can be distributed more quickly and at a lower cost through workers' compensation than through a lawsuit.
- Coworkers. Most workers' compensation systems prohibit injured employees from suing coworkers, protecting fellow workers involved in the injury from losing their livelihoods.
- Employers. The "exclusive remedy" provision limits the amount employees can recover from an employer after a work injury, making it cost-effective to carry workers’ compensation insurance.
- Workers injured by a third party. While an employee may not be able to sue a coworker or employer, there is no such rule preventing an injury lawsuit against a negligent third party. An employee who was hurt as a result of defective machinery, a faulty product, lax inspections, or inadequate maintenance or repairs can seek compensation from product manufacturers or contractors in addition to filing a workers' compensation claim.
If you are struggling after a work injury, our workers’ compensation attorneys can gather evidence to strengthen your claim and get you the benefits you deserve. Contact Tapella & Eberspacher today at (217) 394-5885 or fill out our online contact form to schedule your free consultation and have our legal team advise you on your next steps at no cost to you.