Who Pays Out Workers’ Compensation?

Who Pays Out Workers’ Compensation?

On Behalf of Rosenthal, Levy, Simon & Sosa | January 22, 2025 | Workers' Compensation

Employers are required to carry workers’ compensation insurance on their employees, and if you’re injured on the job, you’ll file your claim with your employer’s workers’ comp insurance provider. This amounts to a streamlined process that is intended to balance the best interests of employers and employees alike. If you suffered an injury at work, it’s time to consult with an experienced Port St. Lucie workers’ compensation lawyer.

Your Covered Losses

Workers’ compensation coverage isn’t as comprehensive as personal injury coverage is, but the claims process is more straightforward. If you suffer an injury on the job, such as a repetitive strain injury, an injury caused by slipping and falling, or anything else, you can seek compensation for each of the following:

• Up to a certain percentage of your lost income
• Your medical bills for the related treatment and care that’s deemed necessary

If you’re unable to return to work at all or if you’re unable to work in the same capacity as you did prior to the accident, workers’ compensation also addresses these concerns. 

How It Works

Your employer is required to cover all their employees for injuries sustained on the job and for work-related illnesses; in exchange for doing so, they are shielded from personal injury lawsuits, which are generally more time-consuming, more disruptive to production, and more expensive.

As an employee, you’re guaranteed coverage if you’re injured on the job, but the coverage is more limited than it would be in a personal injury claim, which includes compensation for physical and emotional pain and suffering. In this balancing act, the fault is removed from the equation. 

The Workers’ Compensation Insurance Provider

While your employer’s workers’ compensation insurance provider is responsible for covering your losses if you’re injured while on the job, you should keep in mind that the company is motivated by profits and that it bolsters these profits by making low settlement offers. Because your claim is important to your recovery and your future, working closely with a formidable workers’ compensation attorney from the start is always advised. 

Steps Forward

Injured at work? There are several important steps you should take to help ensure that you receive the compensation to which you’re entitled, including:

• Seek immediate medical attention – your health depends on it, and your claim will benefit from your prompt action.
• Notify your employer, boss, or supervisor about your injury as soon after the incident as possible.
• Consult with a seasoned workers’ compensation lawyer early in the process.
• Keep in mind that the insurance company is paying attention and is skilled at manipulating meaning, which makes it a good idea to stay off social media while your claim is pending. 

An Experienced Port St. Lucie Workers’ Comp Attorney Can Help

The Port St. Lucie workers’ comp attorneys at Rosenthal, Levy, Simon & Sosa are well versed in the intricacies of workers’ compensation claims and are committed to leaving no stone unturned in their determined efforts to resolve your claim favorably. For more information, contact us online or call 561-478-2500 today.