If you’re hurt on the job, your first thought is usually: “I’ll file a
workers’ comp claim.” That’s a good start, but sometimes, your case might be more than just workers’ compensation. In some situations, it’s actually both a workers’ comp and a personal injury case.
Here’s how to tell the difference — and why it matters.
Workers’ Comp: Coverage From Your Employer
In Pennsylvania, workers’ compensation covers medical bills, lost wages, and rehabilitation after a workplace injury. It’s a no-fault system, which means you don’t have to prove your employer did anything wrong.
But it also comes with limits. You can’t sue your employer for negligence, and pain-and-suffering damages aren’t included.
When It Crosses Into Personal Injury
Sometimes, though, someone else caused your injury — not your employer or a co-worker. That’s when a third-party personal injury claim may come into play.
For example:
- A delivery driver is hit by a distracted motorist while making rounds.
- A factory worker is injured by a defectively designed machine.
- A construction worker is hurt by another company’s crew on the same site.
In these cases, you might be entitled to both workers’ compensation and personal injury damages.
Why It’s Important to Know the Difference
Each claim follows different rules, timelines, and insurance processes. Missing one can cost you thousands. An attorney who understands both sides, like our team here at Slusser Law Firm, can coordinate your claims to make sure you get every dollar you deserve.
If your workplace injury feels complicated, it probably is.
Let us sort out the details. We focus on the legal, so you can focus on you.
