In the context of Workers Compensation insurance, what does the injured employee forfeit by accepting compensation for medical expenses and lost wages?

Accepting Workers' Compensation benefits, such as compensation for medical expenses and lost wages, generally entails the injured employee forfeiting the right to sue their employer for the injury related to that claim. This principle is rooted in the concept of Workers' Compensation as a no-fault system designed to provide injured workers with timely and guaranteed benefits without the need for litigation against their employers.

By accepting these benefits, employees agree to the statutory framework that limits their recourse to the benefits provided under the Workers' Compensation system. This prevents the possibility of a double recovery — where an employee could receive benefits under Workers' Compensation while also recovering damages through a lawsuit against their employer. Thus, in exchange for the financial help covering their medical expenses and lost wages, the employee relinquishes the right to pursue legal action outside of the established Workers' Compensation system.

This reflects the overall intent of Workers' Compensation laws to streamline the claims process and protect both employees and employers from the uncertainties and costs associated with litigation.