In the blink of an eye, a construction site can transform from a bustling worksite to a scene of devastation. Construction accidents are not uncommon and remain a significant concern in the industry, with workers facing various hazards daily. Among the most common causes of injury are falls from heights, which can occur when working on scaffolding, roofs, or elevated platforms without proper safety measures. Struck-by accidents pose another serious threat to workers on the ground and occur when a worker is hit by equipment. Electrocutions from exposed wiring or contact with power lines continue to be a persistent danger. Additionally, trench collapses and exposure to hazardous materials, such as asbestos or toxic chemicals, represent ongoing risks that can have long-term health implications for construction workers.
Construction workers are supposed to have protections to both prevent the accident from happening and provide assistance in the event of a workplace injury. When it comes to assistance, workers are wise to know about two important rights that lead to funds to help when healing from an on-the-job injury: workers’ compensation and third-party claims.
#1: Workers’ compensation likely provides benefits
Workers’ compensation provides financial support to employees injured on the job. In New York, this system ensures that workers receive medical care and wage replacement without proving employer negligence. It should provide the following:
- Medical benefits: Covers all necessary medical care related to the injury, including rehabilitation.
- Wage replacement: Offers a portion of lost wages.
- Vocational rehabilitation: Provides training and support if you need to change jobs due to your injury.
Workers’ compensation serves as a safety net, helping injured workers receive support without the burden of legal battles against their employers.
#2: Third-party claims may also offer support
While workers’ compensation covers most workplace injuries, some situations allow for additional legal action through third-party claims. These claims arise when someone other than the employer or co-worker bears responsibility for the injury.
- Defective equipment: If faulty machinery or tools caused the injury, there might be a claim against the manufacturer.
- Negligent subcontractors: A claim against a subcontractor could exist if their negligence led to unsafe conditions.
- Property owners: If hazardous conditions on a property contributed to the injury, the property owner might hold liability.
Third-party claims can provide additional compensation beyond workers’ compensation, covering pain and suffering or other damages not addressed by the standard system.
Workers who suffer an on-the-job injury are wise to take action to protect their rights. Depending on the details of the accident, funds from both workers’ compensation and third-party claims may be available to help cover the costs resulting from the accident. Having the finances covered can help you to focus on healing.