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What does a no-fault system mean for workers’ comp?

Workers can often receive medical coverage and lost wages through workers’ compensation benefits if they are injured on the job. One of the benefits of workers’ compensation is that it is a no-fault system. 

A no-fault system means that workers can still benefit from workers’ comp no matter who is to blame for the accident. For instance, the injured worker could receive benefits if an accident was caused by a machine issue. They could also receive benefits if an accident was caused by another employee’s or an employer’s negligent actions. 

This can greatly benefit workers who fear that they may not be able to receive benefits for their injuries. However, there are a few exceptions to this rule. Here is what you should know:

Exceptions to no-fault workers’ compensation system

There are some limits to the no-fault system for workers’ compensation. Typically these exceptions include any act of negligence or reckless behavior from the injured employee. The following are a few examples of these exceptions: 

  • Alcohol or drug use: If the employee was under the influence of a substance while working and it directly resulted in their injuries, then the worker could be denied benefits. 
  • Self-inflicted wounds: If the worker knowingly caused their injuries to collect benefits, then their ability to receive compensation could be limited.
  • Fighting or aggression: Benefits could be denied if an employee started a fight, which led to their injuries. 

Workers who are injured while working can learn about their legal options when pursuing workers’ compensation benefits. Losing these benefits can lead to financial difficulties and life-long medical conditions.