Workplace injuries are stressful enough, but things get more complicated when someone other than your employer is at fault. In many cases, injured workers can file a third-party claim in addition to their workers’ compensation benefits, which may result in greater financial recovery. Knowing how third-party claims work can help you make the most informed decisions after an accident.
What Is a Third-Party Claim?
A third-party claim is a separate personal injury case filed against a person or company that contributed to your workplace injury. Workers’ compensation covers medical costs and a portion of lost wages, but it doesn’t allow compensation for pain and suffering or other non-economic damages. A third-party lawsuit can help fill that gap and hold all responsible parties accountable.
When a Third-Party Claim Applies
You might have grounds for a third-party claim if:
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You were injured by defective equipment or machinery made by another company.
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You were hurt in a car accident caused by another driver while on the job.
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You slipped, tripped, or fell on a dangerous property owned by someone other than your employer.
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A subcontractor’s negligence on a job site caused your injury.
These claims often involve construction sites, delivery jobs, and workplaces where multiple contractors or vendors are present.
The Benefits of Filing a Third-Party Claim
Filing a third-party claim can provide compensation for things workers’ compensation does not cover, including:
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Pain and suffering
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Loss of future income
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Emotional distress
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Long-term care and rehabilitation
Combining a workers’ comp claim with a third-party case helps injured workers recover both immediate and long-term damages.
Why Legal Guidance Is Essential
Third-party claims are complex because they involve multiple insurance companies, legal deadlines, and evidence collection. An experienced workers’ compensation attorney can evaluate your case, gather proof, and negotiate on your behalf to ensure you receive the full compensation you’re entitled to.
At the Law Office of Stephen J. Dennis, we have decades of experience representing injured workers in both workers’ comp and personal injury claims. We know how to handle difficult cases, identify liable parties, and fight for your best outcome.
