Can you get funding on a workers compensation case?
It depends on your state. Some states allow funding against workers comp claims and others restrict it. Where it's allowed, injured workers can get a non-recourse advance against a disputed or pending claim. If a separate third-party injury claim exists, that can almost always be funded, even in restrictive states.
Key facts
- Funding availability varies by state for workers comp claims.
- Some states prohibit assigning comp benefits, which limits funding.
- Many workplace injuries also create a separate third-party claim.
- Third-party injury claims can be funded almost everywhere.
- Non-recourse terms apply: no recovery, no repayment.
The state-by-state reality
Let's be straight about this one. Workers compensation is the case type where your zip code matters most. Several states bar the assignment of comp benefits, which makes traditional funding against the comp claim itself difficult or impossible. Others permit it with conditions. The first thing we do is check what your state allows, and we'll tell you honestly if the answer is no.
The third-party claim a lot of workers don't know about
Here's what often gets missed. Many on-the-job injuries are caused by someone other than your employer. A defective machine. A negligent subcontractor on the site. A property owner who didn't fix a known hazard. When that's the case, you may have a separate third-party personal injury claim running alongside your comp claim. That third-party case is a regular injury lawsuit, and it can be funded almost anywhere, even in states that restrict comp funding.
So before you assume funding is off the table, ask your attorney whether a third-party claim exists. It changes the whole picture.
What the money typically covers
Replacing income while a disputed temporary-disability claim drags on. Medical costs that comp hasn't approved or paid. Everyday living expenses during the long wait for a permanency settlement. It's bridge money to keep you stable while the claim is resolved.
Talk to your attorney first
Your comp attorney can tell you in one conversation whether your state permits funding and whether you have a parallel third-party case. That answer determines what's possible. Our workers compensation funding guide explains the moving parts.
Frequently asked questions
Some states legally prohibit assigning comp benefits to a third party, which is what funding requires. In those states, traditional comp funding isn't possible, though a third-party claim may still be.
It's an injury lawsuit against someone other than your employer, like a machine manufacturer or a negligent contractor, when their fault caused your workplace injury. These can usually be funded.
Generally no. SSD benefits can't be assigned. Some funders offer separate bridge products structured differently for SSD claimants.
Ask your attorney, or apply and let us check. We'll confirm your state's rules before anything moves forward.