Slip and falls are one of the most common types of work related accidents. According to the National Safety Council (NSC), slip and fall injuries account for over 20 percent of all workplace injuries. That translates into more than one million workers’ compensation claims filed each year.
The majority of slip and fall injuries result in relatively minor “soft tissue” injuries. These include sprained tendons, ligaments and muscles, minor contusions and abrasions, small gashes, and minor burns. A large number of slip and falls however, result in much more serious injuries, referred to as “hard injuries.” These include head trauma, disk herniations, fractures, amputations, deep gashes, and third or fourth degree burns.
With few exceptions, employers are bound by Occupational Safety and Health Administration (OSHA) regulations. These regulations mandate safety measures in the workplace. An employer who violates OSHA requirements may incur substantial fines and, in extreme cases, imprisonment.
The most common causes of falls at work are:
- Spilled liquids
- Cracked, torn or uneven flooring
- Inadequate or non-existent warning signs
- Poor lighting
- Holes in the floor
- Broken or uneven stairs
- Exposed cables
- Abrupt, unexpected elevator stops
Compensation for Slip and Fall Workplace Accidents
Employees injured in workplace accidents have a right to workers’ compensation benefits. Eligibility does not require proof of the employer’s negligence; the injury alone is sufficient to file a workers’ comp claim. Benefits normally include payment of medical and therapy bills, out-of-pocket expenses (for medications, crutches, etc.), and approximately two-thirds of wages lost during treatment and recovery.
To begin a work accident claim, you have to file a “first report of injury” form (DWC-1) with your employer. You must enter specific information about the date, time and cause of your slip and fall accident on the form. If your injuries are serious enough to require immediate hospitalization, you may complete the DWC-1 form once you’re stabilized.
Your employer will give you a list of company-approved physicians. The workers’ comp insurance company pays these physicians. (Despite potential conflicts of interest, in most cases you have no choice.) You choose one of these physicians as your “primary treating physician.”
Your primary physician evaluates you and, if necessary, refers you to a specialist. These can include orthopedists, podiatrists, chiropractors, and other doctors whose practices concentrate in the area of your injury.
If you believe your physician isn’t acting in good faith, or that your injury is more serious than he reports, you may request a second opinion from another company-approved physician. You can see your own physician, but there’s no guarantee you’ll be reimbursed by workers’ comp. You may be personally responsible for any fees your private doctor charges.
Your workers’ comp physician determines when you’ve reached a level of MMI (maximum medical improvement). At that time, she’ll give you a return to work form, noting whether or not you’re cleared to return to work.
Depending on the seriousness of your injury, your doctor may diagnose:
- Temporary partial disability – you can resume your former job duties after a period of recovery.
- Permanent partial disability – you may be able to return to work, but not at your former job. (Your employer may give you a different position that accommodates your disability, or you may have to seek employment elsewhere if such a position isn’t available.)
- Permanent total disability – you won’t be able to return to your former job or do any other type of work.
Determining Fault in a Slip and Fall Accident
An employee who contributed to the cause of his workplace injury is entitled to workers’ compensation benefits. Just as it isn’t necessary to prove the employer was negligent, workers’ comp laws do not bar the employee from coverage if the slip and fall accident is entirely his fault.
There are a few exceptions. If actions that result in an injury are intentional (actions that have a high probability of causing injury, or exhibit a wanton disregard of probable consequences), a work accident claim may be denied. While each case is unique, questions of coverage denial normally arise in fraud cases, or when a worker purposely does something he knows is unsafe.
Most workplace slip and fall accidents limit an injured employee’s benefits to workers’ compensation. This includes payment of medical bills, out-of-pocket expenses, and a portion of lost wages. Workers’ comp benefits do not include payment for pain and suffering. An injury resulting in a disability may entitle the employee to a separate cash settlement award.
There are some cases where a slip and fall at work may result in a “third-party” personal injury claim or lawsuit (against parties other than an employer). These cases entitle an injured worker to payment of medical bills and out-of-pocket expenses, the full amount of lost wages, AND an amount for pain and suffering.
To have a legitimate third-party injury claim, proof must exist that a party other than the employer was negligent, and the other party’s negligence is responsible for the injury.
Reimbursing Workers’ Compensation
Workers’ compensation laws permit insurance companies to recover benefit payments when the same worker receives a settlement in a third-party civil action (claim or lawsuit).
If you receive workers’ comp benefits and are also awarded a settlement in a third-party lawsuit, you’ll probably have to reimburse workers’ comp for the majority of what they paid. Because workers’ comp benefits don’t include pain and suffering, any money you receive in your third-party action representing your pain and suffering should be yours to keep.
The Role of Providence Slip and Fall Attorneys
A Providence slip and fall attorney is usually not necessary in a minor workers’ comp or third-party claim for soft tissue injuries. If there’s no question of liability, there are little, if any negotiations. Payment for medical bills, out-of-pocket expenses, and a portion of lost wages is standard.
If your work accident results in a serious injury however, you should consult with an attorney. Attorneys have leverage and expertise in navigating the legal system. They can subpoena records, take depositions, and file a lawsuit if necessary. Most personal injury attorneys don’t charge for an initial consultation, and they can provide valuable information to maximize your claim.