If you were injured on the job, workers’ compensation benefits may provide some financial relief—but for many injured workers, those benefits fall short. Wage replacement is often partial, medical treatment approvals can be delayed, and disputes are common. As financial pressure builds, many workers wonder:

Can I still get pre-settlement funding while receiving workers’ compensation?

The answer is yes—in certain situations, especially when your injury involves a third-party personal injury claim. This article explains how workers’ comp and pre-settlement funding can work together, and when funding may be available.

Understanding the Limits of Workers’ Compensation

Workers’ compensation is designed to cover:

• Medical treatment related to the injury

• A portion of lost wages

• Temporary or permanent disability benefits

However, workers’ comp does not typically cover:

• Full wage replacement

• Pain and suffering

• Emotional distress

• Loss of future earning capacity

• Punitive damages

As a result, many injured workers still struggle financially—even while receiving benefits.

When Pre-Settlement Funding Is Available

Pre-settlement funding is generally not available for workers’ comp claims alone. However, many injured workers qualify for funding when they also have a third-party lawsuit related to their injury.

Common third-party scenarios include:

• Construction site accidents involving subcontractors

• Defective machinery or equipment

• Negligent drivers causing workplace vehicle accidents

• Property owners responsible for unsafe conditions

• Manufacturers of faulty tools or safety equipment

In these cases, workers’ compensation may cover some immediate costs, while the third-party lawsuit seeks additional compensation.

How Pre-Settlement Funding Works Alongside Workers’ Comp

When a third-party claim exists, pre-settlement funding can provide a non-recourse cash advance based on the expected settlement of that lawsuit.

That means:

• You can receive funding while still collecting workers’ comp benefits

• You only repay the funding if the third-party case wins or settles

• There are no monthly payments

• If the case is unsuccessful, you owe nothing

Funding does not interfere with your workers’ comp benefits.

Why Injured Workers Still Need Funding

Even with workers’ comp, injured employees often face:

• Reduced income (typically 60–70% of wages)

• Delayed benefit payments

• Denied or disputed claims

• Out-of-pocket medical costs

• Household bills and family expenses

• Long recovery periods

Pre-settlement funding helps bridge the gap while your legal case progresses.

What Injured Workers Use Funding For

Many injured workers use pre-settlement funding to cover:

• Rent or mortgage payments

• Utilities and household bills

• Groceries and transportation

• Medical co-pays or uncovered treatments

• Childcare or family support

• Lost wages not covered by workers’ comp

Funding ensures stability without forcing injured workers to take on debt.

Will Funding Affect My Workers’ Comp Benefits?

In most cases, no. Pre-settlement funding:

• Is not income

• Is not a loan

• Does not replace workers’ comp benefits

• Does not reduce benefit eligibility

However, it’s always best to coordinate with your attorney to ensure everything is handled properly—especially when multiple claims are involved.

Why Injured Workers Trust Instabridge

Instabridge understands the complexities of workplace injury cases involving third-party claims. We offer:

• Fast approvals—often within 24–48 hours

• Transparent, flat-rate pricing

• Non-recourse protection—repayment only if you win

• Attorney collaboration to ensure compliance and clarity

• Responsible funding amounts to protect your final settlement

Our goal is to support your recovery—not complicate your case.

Conclusion: Workers’ Comp and Funding Can Work Together

Workers’ compensation benefits are helpful—but often not enough. If your workplace injury involves a third-party lawsuit, pre-settlement funding can provide additional financial stability while your attorney pursues full compensation.

If you’re receiving workers’ comp and struggling financially, contact Instabridge today. We’ll review your situation, work with your attorney, and help determine whether pre-settlement funding is available to support you safely and responsibly.