Workers’ compensation benefits provide immediate relief for workers injured – or family members of those killed – by covering the cost of medical bills and a portion of lost wages. However, workers should not hesitate to explore all their legal options. This is especially true for family members of those who are killed at work. Such a devastating loss can leave the whole family reeling, but it’s important to secure future financial stability.
These other options can include:
- Personal uninsured/underinsured motorist (UM/UIM) benefits;
- Third-party litigation (i.e., product liability, building owner liability, negligent driver liability, etc.); and
- Life insurance.
It might in some cases also include coverage from an employer’s UM/UIM policy. The question of eligibility under this provision was raised in Vasquez v. American Cas. Co. of Reading, recently before the New Mexico Supreme Court. Specifically, the question was whether there was a discontinuity between the language in the state’s uninsured motorist statute and the workers’ compensation act.