My Injury Was My Fault. Does This Mean I Can’t Collect Workers’ Comp?

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If you were not following your employer’s safety rules, you can still collect workers’ comp’, but staying safe is always your best bet.

Our respected colleague from Wisconsin Tom Domer points out in today’s guest post that employee fault can reduce compensation in that state. Nebraska does not reduce recovery for partial fault but does bar recovery if the employee is willfully negligent. The defense is rarely successful.

Workers’ Comp is “No Fault” (even if it is the worker’s fault).

Workers may be reluctant to file a workers’ compensation claim if they feel the injury is due to their own fault. Sometimes they feel that the injury was due to their own violation of a safety rule. In some states, this could bar a workers’ comp, recovery—but not in Wisconsin. An injury caused by the employee’s failure to use a safety device or adhere to a safety rule results in a 15% decrease in workers’ comp benefits, to a cap of $15,000, but the worker can still claim benefits. A worker earning $600/week, with a $400/week disability rate would only lose $60/week.

A worker’s failure to use a safety device causing injury will not reduce benefits if the device isn’t adequately maintained or easily accessible, nor will a worker’s rule violation reduce benefits if the safety rule is unreasonable or not reasonably enforced.

Employers and insurers sometimes deny claims that involve a worker’s intoxication or use of non-prescription drugs. This is inappropriate. However, the benefits can be reduced by 15% if the injury is due to intoxication or drug use.

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