A workplace injury changes everything in an instant.
One moment you are doing your job. The next you are dealing with serious physical injuries, a workers compensation system that moves slowly, medical appointments that pile up, and an income that has either stopped entirely or been reduced to a fraction of what you were earning.
Workers compensation benefits help. But they rarely cover everything. And if your injury involved a third party other than your employer, your attorney may be pursuing a separate personal injury lawsuit alongside your workers comp claim. That case takes time. The bills do not.
We provide pre-settlement funding for injured workers with pending workplace injury claims and related personal injury lawsuits. You get cash now while your case is working toward resolution. You repay only when your case pays out. If it does not, you owe us nothing.
What Is Pre-Settlement Funding for Injured Workers?
Pre-settlement funding for injured workers is a cash advance tied to your pending workers compensation claim or related third-party personal injury lawsuit.
It is not a bank loan. We advance you money based on the expected value of your case. Repayment comes from your settlement proceeds when your case closes, not from your personal finances. If your case does not pay out, you owe us nothing.
This type of funding is also known as:
- Workers comp pre-settlement funding
- Workplace injury lawsuit cash advances
- Non-recourse injured worker legal funding
- Third-party workplace injury settlement advances
No monthly payments. No credit checks. No employment verification required. Your case and your attorney are the only qualifications that matter.
Who Qualifies?
You may qualify if you were injured at work and you have an attorney actively representing you on a pending workers compensation claim or related personal injury lawsuit.
Common qualifying situations include:
Construction and Building Trade Workers
- Falls from scaffolding, ladders, and elevated surfaces
- Struck-by accidents involving cranes, forklifts, and heavy equipment
- Trench collapse and excavation accidents
- Electrical accidents on construction sites
- Nail gun and power tool injuries
Manufacturing and Warehouse Workers
- Machinery and equipment malfunction injuries
- Conveyor belt and assembly line accidents
- Forklift accidents in warehouse environments
- Chemical and toxic substance exposure
- Repetitive stress and cumulative injury claims
Oilfield and Energy Workers
- Blowout and well control accidents
- Falls from drilling platforms and elevated structures
- Equipment failure and mechanical injury
- Hydrogen sulfide and toxic gas exposure
- Transportation accidents on lease roads
Transportation and Delivery Workers
- Commercial truck driver accidents
- Delivery driver injuries on the job
- Loading dock and freight handling accidents
- Rideshare and gig driver injury claims
- Courier and last-mile delivery worker injuries
Agricultural Workers
- Farm equipment and tractor accidents
- Grain handling and storage injuries
- Pesticide and chemical exposure claims
- Livestock-related injuries
- Heat-related illness from outdoor work conditions
Healthcare Workers
- Patient handling and lifting injuries
- Needlestick and biological exposure incidents
- Workplace violence claims in healthcare settings
- Slip and fall accidents in clinical environments
Other Workplace Categories
- Restaurant and food service injuries
- Retail worker injuries
- Office workplace accidents
- Government and municipal worker injuries
- School and educational facility worker injuries
If your attorney believes your case has clear liability and a likely recovery, we can typically make a funding decision within 24 hours of reviewing your situation with them.
How the Funding Process Works
We keep the process as straightforward as possible because you are already dealing with enough.
Step 1: Call or apply online
Reach us at 800-961-8924 or submit a short online application. No documents needed from you to get started.
Step 2: We contact your attorney
Our team calls your attorney directly to review your case details. You do not need to gather records or coordinate anything. We handle that entirely.
Step 3: You receive your funds
Once approved, we send money directly to you. Most clients receive funds the same day or the very next business day after approval.
No upfront fees. No hidden costs. No surprises from start to finish.
Understanding Workers Compensation and Your Legal Rights
Workers compensation provides an important safety net for injured workers. But understanding what it covers and what it does not helps explain why so many injured workers still need additional financial support while their cases are pending.
What workers compensation typically covers
Workers compensation generally pays for medical treatment related to your workplace injury and replaces a portion of your lost wages while you cannot work. The wage replacement percentage varies by state but typically falls somewhere between 60 and 70 percent of your average weekly wage. For workers who were already living paycheck to paycheck, that gap is significant.
What workers compensation does not cover
Workers compensation does not compensate you for pain and suffering. It does not cover the full value of your lost earning capacity if your injury results in permanent disability. It does not pay for non-medical expenses that arise because of your injury. And in most states it prevents you from suing your employer directly for additional damages even if your employer was negligent.
When a third-party lawsuit changes the picture
The situation changes when someone other than your employer contributed to your workplace injury. A defective piece of equipment made by an outside manufacturer. A negligent subcontractor on your job site. A delivery driver whose vehicle struck you. A property owner whose unsafe conditions contributed to your fall.
When a third party is responsible, your attorney can pursue a personal injury lawsuit against that party in addition to your workers compensation claim. Third-party lawsuits are not subject to the same limitations as workers compensation and can result in compensation for pain and suffering, full lost earnings, and other damages that workers comp does not cover.
These third-party cases take time to build and litigate. Pre-settlement funding bridges the financial gap while your attorney does that work.
The Financial Reality of a Workplace Injury
Most injured workers underestimate how quickly their finances deteriorate after a serious workplace accident.
Workers compensation wage replacement covers only a portion of your normal income. If your injury is serious, your medical expenses may exceed what workers comp covers, leaving you with out-of-pocket costs on top of reduced income. Prescription medications, specialist visits, physical therapy, and adaptive equipment all add up.
If you have a family depending on your income, the impact multiplies. Mortgage payments. Childcare. Groceries. Utility bills. None of it pauses because you got hurt at work.
Many injured workers deplete their savings within the first few months of a serious injury. Some fall behind on rent or mortgage payments. Some are forced to sell assets or take on high-interest debt just to survive while their cases are pending.
Pre-settlement funding addresses this directly. When your immediate financial needs are covered, you are not negotiating from desperation. Your attorney gets the runway to pursue the full value of your claim. And the defendants on the other side lose the financial pressure they were counting on to push you toward a quick, low settlement.
Third-Party Liability Claims for Injured Workers
One of the most important things injured workers need to understand is that workers compensation may not be your only source of compensation.
When a party other than your employer bears responsibility for your injury, your attorney can pursue both workers compensation benefits and a separate third-party personal injury claim simultaneously. This combination can result in significantly greater total compensation than workers comp alone.
Common third-party defendants in workplace injury cases
Equipment and product manufacturers
If a piece of equipment, a tool, or a machine failed and caused your injury, the manufacturer of that equipment may be liable under product liability law. Design defects, manufacturing defects, and failure to warn about known dangers are all potential bases for claims against equipment manufacturers.
Property owners and general contractors
Construction site injuries frequently involve third-party liability claims against property owners who maintained unsafe conditions and general contractors who failed to provide a safe work environment for subcontractor employees working on their sites.
Subcontractors and other employers on the job site
When multiple employers are working on the same job site, negligence by one employer’s workers can create liability for injuries to workers employed by a different company on the same site.
Delivery drivers and vehicle operators
Workers injured by vehicles operated by drivers employed by companies other than their own employer may pursue third-party claims against the driver and their employer.
Toxic substance manufacturers and distributors
Workers exposed to toxic chemicals, asbestos, or other hazardous substances may have claims against the manufacturers and distributors of those substances in addition to workers compensation benefits.
Pre-settlement funding is available for both workers compensation claims and third-party personal injury lawsuits arising from workplace injuries. If your case involves both, we can discuss funding options for either or both streams.
State Workers Compensation Variations
Workers compensation laws vary significantly from state to state and those variations affect your case in meaningful ways.
Some states have more generous wage replacement rates. Some have stronger return-to-work protections. Some impose stricter limitations on which injuries qualify and how damages are calculated. Some states cap permanent disability benefits in ways that make third-party lawsuits more important for seriously injured workers.
The state where your injury occurred determines which workers compensation laws apply to your case. Your attorney navigates these state-specific rules and builds your claim accordingly.
Our funding is available to injured workers across most states regardless of the specific workers compensation framework in their state. Call us at 800-961-8924 to confirm availability in your state.
Why Injured Workers Choose ECO
We have been funding workplace injury plaintiffs since 2010. We understand the specific financial dynamics that injured workers face including the gap between workers compensation benefits and actual financial need, the complexity of coordinating workers comp with third-party claims, and the extended timelines that serious workplace injury cases often involve.
Here is what you can expect from us:
- No repayment if you lose: Our funding is fully non-recourse
- Fast decisions: Most clients hear back within 24 hours of attorney contact
- No credit checks: Approval is based entirely on your case
- Transparent terms: No hidden fees, no surprise charges, no fine print
- Direct attorney coordination: We handle all communication with your legal team
- Workers comp and third-party claim experience: We understand both sides of workplace injury litigation
We are here to make a difficult situation more manageable while your attorney does the work your case requires.
How Much Can You Receive?
Funding amounts depend on the estimated value of your specific workplace injury case.
We evaluate the severity of your injuries, the strength of liability in your workers comp claim and any related third-party lawsuit, available insurance coverage, your attorney’s assessment of likely recovery, and state-specific factors that affect case value.
Construction site accidents, oilfield injuries, and cases involving defective equipment frequently carry significant damages and qualify for meaningful funding amounts. The only way to know exactly what you qualify for is to call us directly.
No cost. No obligation.
Call 800-961-8924 for a free, no-obligation case review.
You Got Hurt Doing Your Job. You Deserve Support While You Fight for What You Are Owed.
Workplace injuries happen to people who are simply showing up and doing what they were hired to do. The financial consequences that follow are not your fault. The legal fight to get fully compensated takes time. And that time should not break you financially before your case has a chance to succeed.
Pre-settlement funding for injured workers from ECO Pre-Settlement Funding gives you the stability to see your case through. Cash now. No risk. No pressure. No repayment unless your case pays out.
Call 800-961-8924 today or apply online. Most applicants receive a funding decision within 24 hours. No cost to apply and no obligation to accept.
Frequently Asked Questions
What is pre-settlement funding for injured workers?
It is a cash advance based on the expected value of your pending workers compensation claim or related third-party personal injury lawsuit. You repay from your settlement only if your case pays out. If it does not, you owe us nothing. No monthly payments. No credit checks.
Can I get funding if I only have a workers compensation claim and no third-party lawsuit?
Yes. Workers compensation claims may qualify for funding depending on the specifics of your case and state. Call us at 800-961-8924 to discuss your situation directly with our team.
Does getting pre-settlement funding affect my workers compensation benefits?
No. Pre-settlement funding is a private financial arrangement between you and ECO. It does not affect your workers compensation claim, your benefits, or your attorney’s legal strategy in any way.
Can I get funding for both my workers comp claim and a third-party lawsuit at the same time?
Yes. If your case involves both a workers compensation claim and a related third-party personal injury lawsuit, we can discuss funding options for either or both. Call us at 800-961-8924 to talk through your specific situation.
How quickly can I get funded after a workplace injury?
Most applicants receive a decision within 24 hours of us speaking with their attorney. Funds are typically delivered the same day or next business day after approval.
How much can I get for my workplace injury case?
Funding amounts vary based on injury severity, the type of claim, liability strength, and your attorney’s assessment. Call 800-961-8924 for a free, no-obligation review and a funding estimate specific to your situation.