Posts Tagged ‘Workers Comp’

Can I Sue My Employer?

Tuesday, March 9th, 2010

The short answer is no, except in very rare circumstances.

The New Mexico Workers’ Compensation Act is a no fault system, designed to benefit both employees and employers.  The primary benefit to this no fault system for the injured worker is that her or she does not have to prove negligence to receive compensation, as would be required in a typical personal injury claim.  Generally, a worker injured in the course and scope of employment is entitled to benefits, regardless of whether the employer or the worker, or even another employee was negligent.  Simply put, for the most part negligence is irrelevant in worker’s compensation.

The no fault system further provides a benefit to the worker because he or she does not have to prove up negligence.  This allows for a more timely award of benefits to the worker.

The New Mexico Workers’ Compensation Act provides a very important benefit to the employer as well—that is, the employer can not be sued outside of workers’ compensation.  In other words, the law does not require the worker to prove negligence, but as a tradeoff, it prohibits the workers from suing the employer outside of worker’s compensation.

Thus, for 99% of workers that means the worker cannot sue his or her employer, not even if your employer is negligent, or even grossly negligent.

I did mention there are rare situations in which a worker can sue an employer.  This is known as a “Delgado Claim” named after the New Mexico case which first provided this right to workers.  Without getting into the specifics of the case, and a complex analysis, I can simplify it with a simple example of what is required.

Assume there is a fire at work, and your employer demands that you rush into the burning fire or you will be fired.  You refuse citing the obvious risks, and your employer again demands that you rush into the burning fire risking your life.  You reluctantly agree, and are injured in doing so.

Okay, this is a bit of an exaggeration, but not much!  While not exactly the standard for bringing a Delgado claim, this provides a helpful example as to the extremely high burden an injured worker must overcome to sue his or her employer.  Another way of looking at it is that it must almost be intentional.

If you believe you have a situation that may rise to this level, please contact me and I will be happy to discuss your situation in more detail.

But as a general rule, assume you can’t sue your employer.

A couple quick side notes that must be mentioned while we are on this topic…you can potentially bring a claim outside of worker’s compensation if someone other than your employer or fellow employee caused your injury.  The most common examples of this are negligent third party contractors or negligent drivers injuring you in a car accident while you are in the course and scope of employment. In this situation, you can potentially bring a worker’s compensation claim and a personal injury claim.

This is obviously meant to be a very quick overview of this area of the law, and is not intended to be a complete explanation.  I will be happy to discuss the facts of your case if you need further information.

Injured at work…now what? Six simple (yet important) tips for injured workers in New Mexico

Monday, January 18th, 2010

So, you show up for work as you have thousands of times before, and out of nowhere it happens…you get injured. No big deal, right?  In some situations, it may not be a big deal, but for many, suffering a work-related injury can be a life-changing experience, bringing about financial and employment uncertainty.

Many workers in New Mexico often make the mistake of believing that a work-related injury is essentially no different than suffering any other injury—for instance in a car accident.  While the injury may be the same, the legal ramifications differ significantly.

For example, work-related injuries and the benefits/responsibilities associated with that injury are heavily governed by statute (New Mexico Workers’ Compensation Act).  This can prove to be a double-edged sword for an injured worker.  On one hand it provides essential and valuable benefits to the worker, but on the other, places significant responsibilities on the worker that must be strictly followed in order to ensure proper recovery of benefits.  Failure to comply with these guidelines can bar an injured worker’s entire claim.

While the New Mexico Workers’ Compensation Act can be complex and daunting, there are some pretty basic requirements, every injured worker should know. If you are injured at work, follow these simple tips, and in most cases (I pause and emphasize most!) your worker’s compensation claim will run smoothly ensuring you receive the maximum benefits you are entitled to under the law.

So lets jump in…

  1. Emergency Care. If your injury requires emergency care, always get the necessary treatment first and foremost. You do not have to receive authorization from your employer prior to receiving emergency care.
  2. Notice. NOTICE, NOTICE, NOTICE.  In case I wasn’t clear, notice is critical.  The law requires you to notify your employer in writing within 15 days of the time you know or should have known you suffered a work-related injury.  Typically, this is accomplished by the worker completing a Notice of Accident (NOA) form (form 52-1-29 NMSA).  This form should be posted at your workplace.  If not, ask your employer for one, or contact your local WCA office.  The NOA form is a report by the worker notifying your employer that an accident has occurred at work, and states the date, and a general description of the accident.  If a NOA form is not available, at the very least, talk to your supervisor and give notice of the accident orally, making clear that you were injured at work, and the circumstances surrounding the accident. This is the biggest mistake injured workers make– failure to properly give notice.
  3. Selection of Health Care Provider (HCP). Once you have given notice, wait for you employer (or their workers’ compensation insurer) to instruct you as to which doctor they have authorized you to see.  In some circumstances, your employer may allow you to choose your doctor.  In either situation, that selected doctor will be considered an authorized health care provider.  It is imperative that you do not seek medical attention from an unauthorized health care provider, as this will only create problems.  Additionally, once the treating physician is selected, do not change unless you are authorized to do so by your employer/insurer.
  4. Doctor’s Report.  Your authorized HCP should give you instructions concerning your ability to return to work.  In some situations, you may require days or even weeks off.  In others, you might get a full release to return to work, or even a release to return but with restrictions.  Regardless, you must provide your employer with a report indicating the doctor’s recommendations on return to work.
  5. Return to Work. It is critical that you follow your treating physicians recommendations, including complying with any restrictions.  However, as a goal, you should always seek to return to work as soon as possible, as you will always earn more income working, than you will earn in worker’s compensation benefits.
  6. Good Communication. If your injury requires time off from work, it is always a good idea to stay in good communication with your employer.  Make sure your employer has proper documentation from your physician if you are required to take time off.  Do not just not show up and assume they know you are hurt! Additionally, check in occasionally and make sure your employer is updated as to your condition and plans to return to work.  Often times, workers fail to communicate effectively with their employers concerning their condition, which can lead to problems including loss of employment.

Obviously, this list is greatly simplified, and there can always be other factors that must be considered.  But for the most part, an injured worker who follows these guidelines will ensure his/her claim will not be denied due to failure to comply with the New Mexico Workers’ Compensation Act.