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How Personal Injury Compensation Differ from Employees’ Compensation

Do you know the difference between personal injury compensation and workers’ compensation? Should you be interested to learn more about it, then read more here!

For sure, you have heard lots of individuals talking about workers’ compensation and personal injury compensation but not all are aware about it. Most often, the two are mistakenly associated with each other or as treated the same. In case you are curious about the two, then read more of it now!

Knowing the Definition of Workers’ Compensation and Personal Injury Compensation

Workers’ compensation is the term used to described the compulsory insurance payment given by employers to employees when they got injured or encountered accidents while performing their duties. Personal injury compensation is the legal term used in describing the money paid to those men and women who encountered accidents or got injured by other individuals. Those responsible for these accidents are mandated to pay the injured individuals not only of their medicines and hospital bills but also the number of days they are absent from work. According to statistics, employers report approximately 2.9 million work-related and nonfatal complaints and injuries in 2019. Whenever you are injured while performing your tasks in the company, you need to file either personal injury or workers’ compensation claims, depending on the factors that caused the injuries. Always remember that each has its own procedure in filing and in obtaining payments. Aside from these things, there are other things that are different between the two and these are further detailed below.

How They Differ?

Employees’ compensation provides medical benefits and money to workers whenever they got sick, got hurt or got injured while performing their job responsibilities. In case the employees die during the accident, then their employers will give compensation to their dependents. In this situation, compensations are given regardless of who is at fault.

Nevertheless, personal injury is totally different simply because injured men and women need to file lawsuits in the civil courts not just to formalize their claims but also to determine the responsible ones for the accidents. In such case, the injured men and women had to prove that guilt of defendants of negligence that result to the accidents.

The amount of money received by employees who filed for workers’ compensation is dependent on their salaries. Nevertheless, the money received by injured individuals are largely dependent on the severity of injuries or harms they received. At some cases, personal injury victims also obtain punitive damages from defendants so as to discourage recurrence of these incidents.

It is difficult for employees to sue their employers whenever they file for workers’ compensation but injured men and women can easily sue defendants for the injuries and harm they obtain during accidents.

Whatever the case may be, be sure to hire reputable and experienced lawyers to help you out.

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Post Author: aebi