Blog September 2023

Workers’ Compensation and Third-Party Liability: Exploring Additional Avenues for Compensation

In the bustling state of Florida, workplace accidents can occur in a variety of industries and settings. When employees are injured on the job, they typically rely on workers’ compensation benefits to cover medical expenses and lost wages. However, there is also the potential for additional compensation through third-party liability claims. In this blog, we will explore the concept of third-party liability in the context of workers’ compensation in Florida and how it can provide an additional avenue for compensation.

Understanding Workers’ Compensation in Florida 

Workers’ compensation is a system designed to provide injured employees with prompt medical care and compensation for lost wages, without concern for who is at fault for the accident. In Florida, most employers are required to carry workers’ compensation insurance, which means that employees injured on the job can generally receive benefits without having to prove negligence on the part of their employer or co-employees.

What Is Third-Party Liability? 

While workers’ compensation provides essential benefits, it also has limitations. In most cases, employees cannot sue their employers for negligence, even if the employer’s actions contributed to the accident. However, there are situations where a third party, not the employer or co-employee or the injured worker, may be partially or wholly responsible for the workplace accident. In such cases, the injured employee may be able to pursue a third-party liability claim in addition to receiving workers’ compensation benefits.

Examples of Third-Party Liability Scenarios 

  • Defective Products: If a worker is injured while using a defective tool or piece of equipment, they may have a product liability claim against the manufacturer or distributor of that tool.
  • Motor Vehicle Accidents: If an employee is injured in a car accident while on the job and the accident was caused by another driver, a third-party liability claim can be pursued against the at-fault driver.
  • Subcontractor Negligence: In construction and other industries with subcontractors, an injured worker may have a claim against a subcontractor whose negligence contributed to the accident.
  • Slip/Trip and Fall: Delivery people may have accidents due to the negligent presentation of the walkways or stairs that they have to traverse.

The Benefits of Pursuing a Third-Party Liability Claim 

One significant advantage of pursuing a third-party liability claim, in addition to workers’ compensation, is the potential for greater compensation. Workers’ compensation benefits are limited in scope, covering medical expenses and a portion of lost wages. In contrast, a successful third-party liability claim can provide compensation for pain and suffering, emotional distress, and other non-economic damages and the permanent nature of the injuries which have been sustained.

Consult a Skilled Workers’ Compensation Attorney 

Navigating the complexities of workers’ compensation and third-party liability claims can be challenging, especially when you’re recovering from an injury. That’s where an experienced workers’ compensation attorney comes in. They can evaluate the circumstances of your case, identify potential third parties at fault, and help you pursue the compensation you deserve. I

If you or a loved one have been injured on the job and have questions about filing a workers’ compensation claim, Attorney Barry Stein is here to help. With years of experience handling workers’ compensation cases, he can provide the guidance and support you need. Contact us at 305-377-1505 for a free consultation and to ensure you receive the fair compensation you deserve. Your health and well-being are his priority, and he’s here to fight for the compensation you rightfully deserve.

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