Who Pays Your Medical Bills If You’re Injured In A Work Accident? – Accident At Work Medical Bills Guide
Will My Employer Pay My Medical Costs If I Am Injured At Work?
By John Bowes. Last Updated 1st March 2021. If you’re injured in a work accident, you could end up with a large bill for medical costs incurred while being treated and recovering from your injuries. In this guide, we’re going to try and answer the question, “who pays your medical bills if injured in a work accident”. We’ll also look at what treatment and care costs might be incurred, other things you can claim compensation for and when you could make no win no fee personal injury claims following an accident at work.
Here at Legal Expert, we offer a free assessment of your claim and our advisors offer free advice too. If you’d like to start your claim right away, please call us on 0800 073 8804 today.
Alternatively, to find out more about claiming work accident medical expenses, please carry on reading.
Select A Section
- Our Guide To Who Pays Your Medical Bills If Injured In A Work Accident
- What Are Injuries And Accidents At Work?
- What Medical And Care Costs Might Be Encountered?
- Does Your Employer Always Cover These Costs?
- What Medical Treatment And Care Costs Could I Claim For?
- What Other Special Damages Could I Claim?
- How Much Could You Claim For Your Injury?
- When Are You Eligible To Claim Compensation?
- No Win No Fee Work Accident Medical Cost Claims
- Why Choose Us To Help You Claim Compensation?
- How To Start Your Claim
- Further Information And Resources
Our Guide To Who Pays Your Medical Bills If Injured In A Work Accident
If you’re injured at work, medical expenses could become expensive depending on the nature of your injuries. But, who pays your medical bills if injured in a work accident? You might want to claim compensation for those costs from your employer.
In this guide, we’ll look at when you could be eligible to claim, why an employer might be liable and what amounts might be paid for certain injuries. Injury compensation is usually paid depending on what part of the body is injured and how severe the injury is. However, medical costs, when paid, are based on the financial impact they have on you. Therefore, it’s really important to ensure you keep a record of all costs linked to your accident and to check with a personal injury solicitor before agreeing to pay for something which you might not be able to include in your claim.
It’s important that if you’re involved in an accident at work, you take some steps to secure evidence to support your claim. Here’s what we recommend you do:
- Report the accident to a supervisor as soon as possible. Later on, you can ask for a copy of the accident report
- Ask witnesses for a statement.
- Photograph the scene of the accident including the root cause.
- See if there is any CCTV covering the area where the accident happened.
- Visit your GP or A&E for treatment. Medical records can also be used as supporting evidence.
Taking these steps could really improve your chances of lodging a successful claim against your employer.
When you’ve read this guide fully, if you’re not sure whether you could claim for your injuries of if your employer should cover your medical costs, please call an advisor for free legal advice on your options.
What Are Injuries And Accidents At Work?
There are many different types of accident at work which can occur. We can’t list them all here but here are some examples:
- Falling from height – such as a fall from scaffolding or a ladder.
- Accidents involving dangerous machinery.
- Injuries sustained because an item has fallen on you from a height.
- Crush injuries caused by heavy vehicles.
- Injuries sustained because machinery was faulty or not maintained properly.
- Slips, trips and fall injuries caused by negligence such as not clearing up leaks.
- Burns caused by exposure to hazardous chemicals.
Under the Health and Safety at Work Act 1974, employers need to risk assess the workplace regularly and make changes possible. That’s because they have a duty of care to keep staff safe at work wherever possible. Therefore, if you’re injured in a work accident caused by any of the following, you might be entitled to begin a claim:
- A lack of proper training.
- Equipment that wasn’t maintained according to the manufacturer’s guidelines.
- Inadequate protective equipment like safety goggles or hard hats.
- A lack of understanding of the company’s health and safety procedures.
To discuss whether you could claim for an injury sustained in the workplace, please call the number at the top of the screen for a no-obligation assessment. We can also answer the question, who pays your medical bills if injured in a work accident?
What Medical And Care Costs Might Be Encountered?
When people consider claiming because they were injured in a work accident, they often think about compensation for the pain and suffering caused. However, there are a number of other costs which can be incurred following the accident.
For instance, you might have to pay for prescription medicines and other treatments or in certain circumstances, private treatment not offered by the NHS. Also, in more serious cases, you might require professional care from a nurse to help you recover from your injuries.
Who pays your medical bills if injured in a work accident? We’ll cover these in more detail later in this guide but it’s safe to say that these medical and care costs should be accounted for as part of your claim so that you’re not left out of pocket.
Does Your Employer Always Cover These Costs?
Who pays your medical bills if injured in a work accident? Is it your employer? When you make a claim because you’re injured in a work accident, you’ll actually be doing so against your employer’s liability insurance policy. By law, they are obliged to have insurance in place to cover the costs of any personal injury claims made by staff.
If your claim is successful then compensation paid for your injuries and associated medical and care costs will actually be paid by the insurer, not your employer.
It’s worth bearing in mind that employers can’t treat you any differently for making an honest claim. They can’t discipline you or sack you for doing so as that could lead to an unfair dismissal claim being bought against them.
What Medical Treatment And Care Costs Could I Claim For?
While the NHS provides free medical treatment in most cases, you could claim for private healthcare costs if you have a good enough reason to not use the NHS. Also, the cost of prescriptions and over the counter medication can soon build up. Therefore, you could include these costs in your claim.
It’s also possible, in extreme circumstances, to claim for costs of professional care required to help you recover from your injuries. If you use a family member to care for you, an hourly rate could be worked out to claim back the cost of their time.
What Other Special Damages Could I Claim?
As well as the costs listed in the previous section, you could also claim for:
- Travel costs – These could be claimed if you have to travel to and from medical appointments because of your injuries. Also, you could claim if you have to make alternate travel arrangements because your injuries prevent you from driving. You could also include parking costs in this part of your claim.
- Loss of income – If you need time off from work due to your injuries, you could claim for any lost income. This could include time off to recover or for medical appointments. Furthermore, you could claim for future lost income if your injuries have a long-term effect.
- Home adaptations – Should your injuries be serious enough to mean you require to make modifications to your home, you might be able to include the costs in your claim.
- Damage to personal items – Finally, you could claim for any personal property damaged when you were injured in a work accident. For instance, if your clothes were ripped during a fall, you could include the replacement costs.
With all of these financial expenses, we’d recommend you keep hold of receipts, parking tickets, bus or train tickets and bank statements which could all be used as evidence to support your claim. Another good idea is to keep a diary following your accident which details all of your expenses. Then, when your solicitor discusses your claim with you, it’s much easier to explain how each cost was linked to your injuries.
How Much Could You Claim For Your Injury?
To help you understand how much compensation could be paid due to injuries sustained in an accident at work, we’ve included the personal injury claims calculator table below. It contains examples of work accident compensation for specific injuries.
|Neck injury||Moderate||From £7,410 to £34,000||This range of compensation includes injuries such as a prolapsed invertebral disc requiring surgery and fractures which increase the chance of oesteoarthritis.|
|Ankle injury||Modest||Up to £11,730||This range of compensation includes less serious sprains, fractures or ligament damage. The amount of compenastion depends on factors like time taken to fully recover.|
|Foot injury||Serious||From £23,460 to £36,790||This range of compensation includes injuries which require prolonged treatment as well as pain caused by traumatic arthritis.|
|Toe injury||Severe||From £12,900 to £29,770||This range covers the amputation of all toes. The amount will depend on whether they were surgically removed or traumatically.|
|Leg injury||Serious||From £36,790 to £51,460||This range of compensation includes fractures or injuries to ligaments or joints where prolonged treatment is required or stability issues are caused.|
|Arm injury||Severe||From £90,250 to £122,860||This range of compensation is for the amputation of the arm above the elbow.|
|Hand injury||Moderate||From £5,260 to £12,460||This range of compensation includes soft tissue damage, crush injuries and lacerations.|
|Finger injury||Minor||£2,810 to £8,110||This range of compensation includes fractured fingers. The time to recover can affect the payment amount.|
|Back injury||Moderate (i)||From £26,050 to £36,390||This range of compensation includes injuries that result in limited movement with permanent or recurring pain. Includes wrenching-type injuries and disc lesions.|
Because we can’t list all injuries, please call an advisor for a free assessment of your specific case. A solicitor could provide you with a more personalised compensation estimate for any type of injury.
When Are You Eligible To Claim Compensation?
So that a personal injury lawyer to take on your claim, you’ll need to be able to prove that:
- You suffered an accident at work;
- Which left you injured; and
- The accident was caused due to employer negligence.
Also, you’ll need to claim within the personal injury claims time limit. This is usually 3-years from the date of your accident or the diagnosis of your injuries.
No Win No Fee Work Accident Medical Cost Claims
When you make a no win no fee personal injury claim, you’ll sign a conditional fee agreement (CFA). This is the legal name for a no win no fee agreement. This contract is important as it clearly shows that you will only have to pay the solicitor’s fees if you receive compensation.
Furthermore, it will explain that those fees are covered by a ‘success fee’. The success fee is deducted from your compensation before it’s paid to you which means you don’t need to have funds available yourself. The success fee can be no higher than 25% of your compensation. We believe that because you’re aware of the success fee from the start, the amount of stress and financial risk involved with claiming is reduced when using no win no fee services.
Why Choose Us To Help You Claim Compensation?
Here at Legal Expert, we have a team of specialist advisors who are happy to offer free legal advice if you are injured in an accident at work. Furthermore, if your case is strong enough, you could be connected with a personal injury solicitor who’s got up to 30 years’ experience handling all sorts of personal injury claims.
How To Start Your Claim
We hope that this guide has answered the question “who pays your medical bills if injured in a work accident?” You are now ready to begin your claim today. If so, you can contact us by:
- Telephone – Call our advisors on 0800 073 8804
- Email – Send us an email with details of your accident to email@example.com
- Live Chat – Connect with an advisor from any page on this website.
- Online – If you’d like us to call you because it’s more convenient, please complete this online form.
Further Information And Resources
Thanks for taking the time to read our guide about claiming if you’re injured in a work accident. To help you further, we’ve linked to some more guides and external resources:
Expenses And Benefits – This guide for employers provides information about when they need to inform the government about any benefits and expenses payments.
The Health And Safety At Work Act 1974 – The legislation that could be used to claim for accidents in the workplace.
Employee Legal Rights – A useful government resource providing all sorts of employee rights advice.
Accident At Work Claims – This guide covers accident at work claims in general, not just medical expense claims.
Slip, Trip And Fall Claims – A slip, trip or fall is one of the most common workplace accidents. This guide provides information on the types of injury and compensation amounts.
Injured By A Falling Object – This guide covers injuries caused by falling objects which is another common accident at work.
Accident At Work Rights – Our explanation of your rights when injured in the workplace.
Can You Be Dismissed After A Workplace Accident? – Check if you could be dismissed or sacked after a workplace accident.
2019 / 2020 Workplace Injury Statistics
Fatal workplace injuries continued their general trend of decreasing year-on-year. We should note that this decrease has become broadly flat in the last few years. Similarly, the rate of non-fatal workplace injuries has decreased overall, whilst remaining flat. Both rates show a general downward trend over time.
In the financial year 2019/20 111 workers died due to workplace accidents. A further 693,000 sustained non-fatal injuries in the workplace. These figures are from the labour force survey. Under the RIDDOR, 65,427 non-fatal workplace injuries were reported.
How much do these workplace injuries cost the economy?
All of these injuries cost the economy a total of 6.3 million work days. These injuries were lost due to non-fatal injuries in the workplace. The total costs to the economy and country include both human and financial costs. The costs include;
- The cost of lost economic output.
- The cost of healthcare.
- The cost of other payments made.
The human costs are the values assigned to loss of life, suffering and pain.
Annual costs of injuries in the workplace
The annual costs of injuries in the workplace as well as sickness due to were £16.2 billion in 2018/ 19. This figure excludes illnesses such as cancer.
Article by Brett.