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Understanding Third-Party Claims in Workers’ Compensation Cases

When employees are injured on the job, standard workers’ compensation typically kicks in, regardless of fault. But what if another party—not your employer—is responsible? That’s when third-party claims come into play.

What Is a Third-Party Claim?

A third-party claim is filed against someone other than your employer or a co-worker who contributed to your workplace injury. These often involve:

• Defective products – e.g. machinery malfunctions.
  
• Negligent drivers – work-related accidents caused by others.
  
• Unsafe premises – injuries due to hazards on someone else’s property.
  
• Subcontractors – particularly common in construction sites.
  

Workers’ Comp vs. Third-Party Claims

Workers’ comp covers:

• Medical bills.
  
• Partial lost wage replacement.
  
• Disability benefits.
  

However, it doesn’t cover pain and suffering or full wages. A third-party claim can help recover:

• Full wage losses.
  
• Compensation for pain, suffering, or emotional distress.
  
• Future medical costs beyond what workers’ comp covers.
  

Why File Both?

You can—and often should—pursue a workers’ comp claim and a third-party lawsuit concurrently. This dual path maximizes compensation, especially for long-term effects.

How Ryan E. Murphy Can Help

Third-party claims involve personal injury law in addition to workers’ comp. We can help:

• Identify all at-fault parties.
  
• Manage both claims simultaneously.
  
• Fight for all damages you deserve.
  

Final Thoughts:
If you suspect someone besides your employer is responsible for your injury, don’t settle for less. Contact Ryan E. Murphy for a free consultation and let a seasoned professional handle both your workers’ comp and third-party claim to maximize your compensation.