Workers’ Compensation vs. Third-Party Claims

Accidents happen a lot in the construction industry. In fact, out of the 4,386 worker fatalities that occurred in 2014, 20.5% of them happened in construction. In order to deal with one of these accidents, you can submit a workers’ compensation or a third-party claim.

Worker’s Compensation

Workers’ compensation for the construction industry acts as a tradeoff between workers and employers. It varies by state, but usually workers are guaranteed compensation for injuries that occur on the job. Because worker’s compensation is a no-fault type of fund, workers don’t have to prove that the employer is responsible for the accident.

Third-Party Claims

Workers’ compensation is a great way to pay for severe injuries, but sometimes it isn’t enough. If a third-party manufacturer is liable for your injury, because they designed a faulty machine or tool, you can submit a third-party claim against them.

For these claims, you’ll want to get help from an experienced construction accident attorney. They deal with these cases often, and they know what evidence needs to be provided to prove that the manufacturer company is accountable for the injury because of negligence.

There are several types of compensation you can seek from a third-party claim. Some of the most common include compensation for full value of lost wages and noneconomic loss, like pain and suffering. Talk with an attorney to see which compensation fits your needs.

Getting injured on a construction site can be severe at times. Handle these accidents correctly by submitting a claim or seeking workers’ comp, so that you can make a full recovery.

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