Workplace Injury Funding: Bridging the Gap While Workers' Comp Drags On
4 min read read
Published Apr 2, 2025
Workers' Comp vs. Lawsuit Funding
If you get hurt on the job, Workers' Compensation is supposed to help. But the reality is often different. Checks are delayed, claims are denied, and even when they do pay, they typically only cover a fraction of your lost wages (usually 66%).
However, it is important to note: In most states, funding companies cannot lend against a standard Workers' Comp claim itself due to strict regulations. Instead, we provide funding for Third-Party Workplace Injury Lawsuits. This happens when someone other than your employer caused your injury.
What is a "Third-Party" Claim?
You likely have a qualifying third-party claim if:
1. You were driving for work and got hit by another driver.
2. You were working on a construction site and were injured by a contractor from a different company.
3. You were injured by defective machinery (Product Liability).
In these cases, you can file a personal injury lawsuit on top of your workers' comp claim. These lawsuits are eligible for pre-settlement funding because they are based on negligence.
Replacing Lost Income
While Workers' Comp might cover your medical bills, it rarely covers your full rent, car payments, and grocery bills. If you are unable to return to work, the financial gap grows every month.
Funding against your third-party lawsuit allows you to bridge this gap. It provides a lump sum of cash now to keep your household running while your attorney pursues the maximum damages for pain and suffering—damages that Workers' Comp generally does not pay.
