Workman’s Comp: The Hurry Up and Wait Game

If you’ve had an accident at work and been injured on the job and are waiting for a workers comp insurance settlement, you already know it can take a long, long time to get your money.

After you’ve been injured, nobody seems to be in a hurry except you and to make matters worse, most state’s work comp boards seem to only have 2 speeds; slow and “No”.

Since your injury occurred at work and you are likely unable to return to work just yet, you will only receive a fraction of your regular pay as compensation for your injuries. The big problem is that you will still be expected to pay 100% of your bills on time. If you’re like most people, you’re probably going to need some help filling the financial gap and keeping your head above water.

Workers Compensation Loans

The whole point of workers compensation is to provide a financial safety net to help workers who get hurt on the job. It is a form of insurance that provides immediate and ongoing financial support in the event that an employee becomes injured, temporarily or permanently disabled or is killed in the performance of their job.

If you have been seriously injured at work, had to hire a lawyer and you need money now, a workers comp loan from Lawsuit Loan HQ can provide the immediate emergency financial assistance you need.

The average workers comp claim take between 1 1/2 and 2 years to litigate. If that’s longer than you can wait to get your money, a workers comp settlement loan could put a portion of your future settlement money in your hand within the next 24-48 hours. Call us at (877) 932-2628 now to learn more.

Workers Comp Loan Availability

  • Loans on worker’s compensation cases are ONLY available in these states: AL, CT, DE, FL, GA, IL, IN, IA, KS, LA, MS, MO, MT, NM, OK, PA, SC, SD, VT
  • Workers comp funding is NOT AVAILABLE in any of these states: AK, AR, AZ, CA, CO, HI, ID, KY, ME, MD, MA, MI, MN, NE, NV, NH, NJ, NY, NC, ND, OH, OR, RI, TN, TX, UT, VA, WA, DC, WV, WI, WY

If you are the victim of a workplace injury, have an attorney and are in one of the qualified states above, you should be eligible for a workers compensation settlement loan. The exact amount you qualify for will depend on the type of injury you received, the extent of those injuries, the medical treatment you have received so far and whether or not your injuries will permanently remove you from the workforce.

Common Work Injuries

Here are some of the more common workplace injuries that qualify for workers comp settlement loans:

  • Head, face and neck injuries
  • Back injuries
  • Broken bones
  • Slipping accidents
  • Falling accidents
  • Crush injuries
  • Traumatic amputations
  • Traumatic brain injuries
  • Spinal cord injuries
  • Burn injuries
  • Asbestos exposure
  • Chemical exposure
  • Shoulder, elbow, knee and joint injuries
  • Vision loss
  • Hearing loss
  • Lung problems
  • Vehicle accident
  • Injuries caused by equipment malfunctions


Settlement loans help while you wait for your recovery

Getting injured during work does not translate to an immediate payout by your employer. In fact, 90% of the time it turns into a lawsuit battle between your attorney and the insurance provider. This is because many employers will either deny responsibility for your injury, or claim that the origin of your injuries are not work-related. They will come up with any excuse and do anything in their power to avoid paying you the money you deserve.

All the above translates to a lengthy litigation battle that usually takes years – no matter how strong your case might be. In the meanwhile, your medical bills, rent, car payments and other expenses are piling up. To help you get through until you win your lawsuit, LLHQ can provide you with a settlement loan to pay for whatever you wish. Unlike a lawsuit loan, a settlement loan is considered a cash-advance against your workers comp case. You pay nothing until your case settles and only pay back the money if you win your case. If you don’t win, you owe us nothing.

Easy and quick funding process – settlement loans within 24 hours or less
Nova Legal Funding will provide you with a settlement loan against your workers compensation lawsuit and alleviate your financial constraint. In addition, the non-recourse nature of the pre settlement advance means that you don’t have to us back if you lose your case. This makes NLF’s service completely risk-free!

Our process includes the following:workers compensation settlement loans
No credit checks
Zero upfront cost
Cash in 24 hours
Lowest rate – as low as 1%!
No bank accounts necessary
Don’t pay if you don’t win
Risk-free guarantee
Call (877) 932-2628 to speak with a friendly representative right now! We are open 24/7, serving nationwide across the United States. If you were injured at work, don’t wait for your workers compensation settlement to come in a few years – get the money you deserve right now!


If you meet ALL of these conditions, you should be eligible for a workers comp loan:

You must have retained a contingent fee attorney who is willing to cooperate
You must have an accepted workers comp claim
If you meet these 2 conditions then you need to be in an eligible state:

These ARE THE ONLY STATES THAT ARE ELIGIBLE for workers comp loans:
Alabama, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Louisiana, Mississippi, Missouri, Montana, New Mexico, Oklahoma, Pennsylvania, South Carolina, South Dakota and Vermont

If the state you live in is NOT on the list above, you are ineligible for workers comp funding.

If a). the state you live in and b). the state your workers comp case is in are not BOTH on the list above, you are ineligible for workers comp funding.

ONE EXCEPTION: If, in addition to your WC case, you also have a separate 3rd party lawsuit (premises liability or product liability for example) that is being handled by either the same or a different lawyer, and there are serious injuries associated with it, we can usually fund against that case.

Millions of Americans are injured on the job each year. When it happens, most rely on benefits from their state’s worker comp Insurance while they are recovering from their injuries.

One of the chief complaints about state workers compensation board proceedings around the country is that people who are waiting on settlements say they can be notoriously slow and very frustrating.

About Workers Compensation
“Workers compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for the tort of negligence. The tradeoff between assured, limited coverage and lack of recourse outside the worker compensation system is known as ‘the compensation bargain.’

“While plans differ among jurisdictions, provision can be made for weekly payments in place of wages (functioning in this case as a form of disability insurance), compensation for economic loss (past and future), reimbursement or payment of medical and like expenses (functioning in this case as a form of health insurance), and benefits payable to the dependents of workers killed during employment (functioning in this case as a form of life insurance).

Employees are eligible to receive workers compensation regardless if the employer was at fault, or whether the employee’s negligence contributed to the worker’s injury.

It is only in specific cases – if the employee can prove that the employer had intentionally caused injury to the worker – where an employee can bring a civil action against their employer in court for pain and suffering or other damages.

As such, employers are the ones who pay for this very insurance, and cannot require employees to contribute to the expenses of compensation. When employees get injured while on the job and claim for worker’s compensation, the employer’s insurance carrier will pay the cash benefits as well as the medical care, as dictated by the workers compensation board.

The workers compensation board (name may vary per state) is an agency mandated for each state, with its own laws and statutes. Each board is in charge of regulating and processing the claims for every eligible worker. In cases where intervention by the workers compensation board is needed, the agency will be the one to decide on whether or not the insurer will reimburse cash benefits, medical care, and amounts payable.

Workers comp injuriesWorkers Comp Laws
Majority of employees working in the United States are entitled to receive medical care for any injury they have obtained from their job. Moreover, they also have rights to compensation for either temporary or permanent disabilities.

Many states require employers to obtain insurance for workers compensation. Furthermore, it is also illegal in most states for an employee to terminate, discipline or refuse to hire an employee for reporting a workplace-related injury or claiming for workers compensation.

Workers compensation laws are intended to ensure employees that they can receive fixed monetary awards when they are injured on the job, without having to go through an actual litigation against their employer.

Majority of workers compensation laws also provide employers and co-workers with an extent of protection through the limitation of the amount that employees can actually claim. In most cases, it also prohibits injured employees from suing their employers or co-workers.

Workers compensation is an “exclusive remedy” for an employee with a work-related injury, unless the worker can put liability on a third party that contributed to the injury. An example of such a case would be seeking compensation from manufacturers of products, equipment or machinery that workers use for their job.

If a victim can prove that the injury was caused due to the employer’s or co-worker’s negligence, the employee can receive compensation for past and future economic and non-economic losses.

For Jones Act injuries, click here.

For FELA railroad injuries, click here.

Types of Injuries Covered By Workers Compensation
For work-related injuries, employees may be eligible for compensation for any of the following injuries sustained:

Pre-existing conditions that the workplace accelerates or aggravates. Examples may include a back injury, even though the pain wasn’t noticed from the injury until later.
Injuries caused during breaks, lunch hours, and work-sponsored activities (e.g. company picnic), and at-work injuries caused by company facilities (e.g. chair in the company lunch room).
Diseases such as lung cancer, if obtained through toxin exposure at work as a result of normal working conditions (e.g. developing mesothelioma from asbestos exposure).
Injuries resulting from mental and physical strain from increased work duties or work-related stress. In some states, this includes employees who have developed a disabling mental condition due to the job demands and the supervisor’s constant harassment.
However, there are also some injuries that cannot be covered by the workers compensation law. Some state courts do no allow employees to receive compensation if an injury was sustained from horseplay at a workplace.

Furthermore, several states will not hand out benefits to employees who are injured while intoxicated, or who intentionally inflicts injury on oneself. Employees who sustain injuries while outside the work premises for personal errands are not entitled to workers compensation either.

State Workers Compensation Board Websites
Every state has its own board or agency that is responsible for enforcing it’s workers compensation laws. As a convenience, we have listed them all below. If you need to contact your state’s workers comp board, please click a link and you will be redirected to your state’s website: