On occasion injuries from a work related accident can result in personal injury claims against a negligent person who is not a co-worker (co-workers generally receive immunity from these claims as does the employer) or against the manufacturer of a product that caused an injury. For instance you might be hit in a car accident while at work. Both workers compensation and automobile insurance can be responsible to compensate you. If these injuries leave you unable to work for a year or more you then may be entitled to social security disability benefits. Workers compensation leins and Medicare leins can make these cases a mine field of traps which insurance adjusters know little about, and candidly are not paid to protect you from. Take advantage of free consultations. No question is stupid. Knowledge is a powerful thing.