工伤赔偿与第三方人身伤害索赔有何区别?

工伤赔偿与第三方人身伤害索赔有何区别?

并非所有的十大电子游艺网站排行都处理工人赔偿案件, 但大多数人将代表工作场所事故的受害者向第三方索赔人身伤害.

Personal injury civil lawsuits differ considerably from claims filed through an employer’s workers’ compensation insurance. 最显著的区别与错误有关:

  • 工人的补偿 is a no-fault insurance system that provides automatic benefits to workers who sustain injuries in the course of their employment. Injured workers do not need to prove negligence and are legally entitled to benefits irrespective of whether anyone was at fault for the injury. 如果工伤发生在与工作相关的活动中, 受伤的雇员有权享受福利, but the trade-off is that the injured worker is barred from suing his employer or co-workers for civil damages. 换句话说, workers’ compensation is the employee's only avenue of collecting compensation from the employer; the 独家补救规则.
  • 人身伤害索赔另一方面,它要求原告证明自己有过错,以便获得损害赔偿. 换句话说, 以便获得赔偿, the plaintiff must prove liability; e,g, 他/她的伤害是由被告的疏忽或其他不当行为造成的. 证明责任就必须进行调查, 证据, 以及合理的论证来证明一个主张的基本要素.

虽然工人补偿是一个重要的安全网,但它也有其局限性. 在的问题 严重伤害,持久的残疾,或 非正常死亡负责, workers’ compensation benefits are inadequate to fully compensate for the harms and losses the injured worker has suffered or will suffer in the future.

Where there is a third party (someone other than the worker's employer or co-workers) whose conduct caused the incident in which the worker was injured, it is in the injured worker's best interests to pursue a civil claim in addition to the workers’ compensation claim.

虽然第三方责任可能并不存在于所有的工作场所事故中, it can be a substantial source of additional compensation when the facts indicate a third party is liable.

An injured employee can successfully pursue a third-party personal injury case only in limited circumstances:

  • When a third party's (or multiple third parties') negligence caused the accident in which the worker was injured.
  • (三)第三方有其他不当/非法行为造成事故之时.
  • 在罕见的情况下, where the injured worker is entitled to sue his employer; such as where the injured employee was injured while working with a metal forming device that the employer either removed a guard from or failed to guard. (卡尔. 劳动C. §4558.)

为什么要提出人身伤害索赔?

There are many benefits available to the injured worker when third-party liability exists and a civil suit is filed, 与只有通过工人补偿才能得到的相比:

  • 选择的医生: 根据工人补偿程序, injured workers are generally required to obtain treatment from doctors and providers approved by their employers, and may not be able to seek covered care from medical professionals of their choosing – with the exception of emergency treatment.
  • 有限的工资替换: 工人的补偿 provides temporary disability benefits at only a percentage of the worker’s wages, 而且最多只能住两年. 一旦受伤的员工被宣布已经取得了最大程度的医疗改善, then the worker is entitled to permanent disability benefits based on a formula which provides compensation that is far less than the employee's actual lost wages or earnings capacity.
  • 没有对痛苦的补偿: 工人补偿不赔偿痛苦和其他无形损失, 在严重伤害或死亡的情况下,哪些是非常重要的.
  • 没有惩罚性赔偿: 工人赔偿索赔者无权获得惩罚性赔偿, a form of exemplary damages designed to punish wrongdoers in civil actions for gross negligence or reprehensible conduct. 而惩罚性赔偿在民事诉讼中很少被判, 他们从来没有在工人赔偿管辖范围内.

当一个受伤的工人能够证明第三方的过失时, 工人可以追偿没有规定或通过工人补偿补偿的损失. 这可以包括以下补偿:

  • 医疗服务委员会不包括专科医生的住院和医疗费
  • 未来的医疗费用
  • 全部过去和未来的工资或收入损失能力
  • 家庭服务的损失
  • 一般损害(a/k/a人身损害)的痛苦和折磨
  • 丧失生活质量和享受的一般损害
  • 一劳工配偶丧失联营之赔偿

我可否同时提出工人补偿及人身伤害索赔?

考虑到工人补偿福利的局限性, 从事人身伤害的民事索赔可以 大大拓宽了补偿和资源 可用的受害者.

仍然, obtaining workers’ compensation benefits can prove helpful in providing workers and 家庭 with immediate benefits, 因为民事诉讼需要时间来解决. 这就是为什么一个受伤的工人追求工人补偿和, 有事实支持吗, 第三方责任.

在加州, workers injured on the job have the right to collect workers’ compensation benefits and bring civil claims seeking full compensation for their injuries caused by a third party who engaged in negligent conduct or other wrongful conduct that caused the worker's injuries.

While California 劳动Code § 3520 and case law are both clear in allowing injured workers to receive workers’ compensation benefits and monetary damages awarded in a civil claim, 州法律同样明确规定了防止双重回收.

以防止双重恢复, California law allows the employer to seek a recovery of all benefits paid to the injured worker from the third party defendant(s). 雇主可以通过三种不同的方式寻求补偿:

  1. 另向第三方被告提起诉讼.
  2. 介入雇员对第三者被告的民事诉讼.
  3. 在第三方案件中,对雇员的追偿提出留置权.

下面是一个简单的例子:

一个工人补偿承运人支付福利给或代表(e.g.一名受伤的建筑工人,因工受伤,总金额达15万美元. The worker also files a civil claim against the sub-contractors whose negligence caused the accident in which the worker was injured. 陪审团判给这名工人七十五万美元的损害赔偿金. 工人赔偿保险公司将得到150美元的补偿,另外,受伤的工人将得到600美元的净赔偿,由被告分判商或其保险公司提供的五万元.

雇主有权恢复其支付给受伤工人的福利, 然而, be eliminated or reduced if the employer also engaged in negligent conduct that was a cause of the accident. 如雇主的疏忽是导致意外/工人受伤的原因, 然后,它的回收率降低了归咎于雇主的过错的百分比. 当这种情况发生, 疏忽的被告获发还未支付给雇主或其保险公司的款项.

下面是这个规则的一个简单例子:

U唱上面那个受伤的建筑工人的例子, let's assume that the jury found the worker's employer also was negligent and its negligence was a 50% cause of the accident; the negligence of the sub-contractor being the other 50% cause. 因为雇主有50%的疏忽, 其150美元的,而雇主或其保险公司只收回75美元,虽然他们付给工人150美元,但还是退回了000美元,000年的好处. 但, 因为规定禁止工人获得150美元,000, 工人不能得到那75美元,$ 000未归还雇主. 相反,疏忽的被告可以从其应负责的损害赔偿中扣除这一金额. 在这种情况下, 75美元的,从600美元减少了000美元,000 it was found liable for – a windfall for the negligent defendant -- and it only has to pay the worker $525,000. 这名工人仍然得到60万美元.

在现实中, the calculation is much more complex as it treats the economic component (money) of the workers’ compensation and jury awards different than the economic component (general damages or pain and suffering). It also factors in negligence attributed to the employer and / or the injured worker and attorney’s fees.

The important thing to realize is that the employer is going to get money back and the amount paid by the defendant will be less than the amount of the award and that these factors have to be considered in every stage of handling of the case.

工人补偿留置权、抵免和补偿是复杂的问题. Only attorneys who have experience handling complicated third-party cases are likely to understand the ins and outs of these complexities and be able to strategize the case to achieve a maximum recovery for the injured worker.

什么是适合你的?

与了解工人补偿留置权的律师合作, 学分, 补偿不仅对挑战雇主报销的权利是必要的, 也为了确定什么对受伤工人最有利.

而在许多情况下,第三方索赔无疑可以为受伤工人提供经济利益, there are some situations – and perhaps more than most would think – where it may not be advantageous to prosecute a separate civil claim. 这可以包括索赔,将导致一个非常小的净恢复后,满足留置权, 有效保险范围不足, 以及在报销听证会上证明雇主过错的困难.

碧仁法律集团, our Father-Son legal team has extensive experience litigating third-party cases and workers’ compensation liens and 学分. 十大电子游艺平台首选获奖律师可以随时与受伤的受害者交谈, 家庭, 并就工作场所事故和第三方民事索赔的可能性提供咨询. 打电话或在线十大电子游艺平台首选,要求免费的案例审查.

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