What Are Your Options When Injured at Work?

There is never a good time to find yourself injured and unable to work, but if the injury happened while you were on the job, that can make things even more complicated. Sometimes an injury is minor and can be documented and treated quickly, while others may not only put you out of work while healing initially but can cause long-term issues that hinder performance later. Seeking appropriate medical care and reporting the incident should be the top priority, but how you follow up is a very individual decision. You have the option to file for workers’ compensation or suing employer for injury.  

Workers’ Compensation 

All businesses are required to have insurance that will cover if an employee is injured on the job. Some policies ask that you visit a specific doctor, but there is leeway for that. All policies base approval on whether you received medical care for your injury. This means that any documentation of medical care should be held onto in case it is needed later. This insurance is in place to protect the business from a lawsuit for injury and also to ensure that an employee is taken care of financially without the added cost and time of a civil lawsuit. 

Personal Suit 

Sometimes workers’ compensation won’t cover the extent of what you believe you are entitled to after a workplace injury. This is usually the case when negligence on the business’s part can be proven. It may be a longer and more costly road upfront but may allow you to recover more financially in the end than workers’ compensation would payout. A lawsuit can also force a workplace to change or enforce safety measures to make sure their remaining employees are safe. 

Anyone who finds themselves in the frustrating position of deciding which way to go should carefully weigh the positives and negatives of each course of action.