After you’re hurt on the job, it’s important that you are able to get the compensation you need to seek medical care and support yourself as you recover. Depending on the type of worker you are and the circumstances of the accident, there may be one of a few ways that you need to use to get compensation.
If you are an independent contractor, you may need to file a personal injury claim. You may also need to file a personal injury claim if you weren’t on the clock when you were hurt at work.
If you were on the clock and are employed rather than working on a contract, then you should be able to seek workers’ compensation.
Workers’ compensation
Workers’ compensation is designed for people who are employed and who are hurt while at work. If you’re on the clock and are injured while you perform your typical work duties, then you should be covered by workers’ compensation.
There are some exceptions. For example, employers that are very small may not be obligated to get workers’ compensation, or there could be exceptions for certain kinds of employees. If you don’t end up having the option to seek workers’ compensation, then you may need to make a personal injury claim instead.
Personal injury claims
Sometimes, it’s more appropriate to make a personal injury claim rather than a workers’ compensation claim. With a personal injury claim, you are suing the party that harmed you.
Personal injury claims might be used by people like contractors who were injured while working but who have no workers’ compensation coverage. Sometimes, a personal injury claim could be used to sue an employer, too, but there are caveats to keep in mind that you should speak with your attorney about.
If you’re hurt at work, one of these two options may be right for you. Since employment law can be complex, you may not be sure which is the right choice. Look into your legal rights and speak with your employer or client, so then you’ll be in a better position to know what steps to take next.