Workers Compensation Settlement Loans

Pre-Settlement Funding Workers Compensation

Workers Compensation Pre-Settlement Funding

Financial Assistance for Injured Workers Nationwide!

Get loans on workers comp claims from $500 to $100,000 in 24 hours or faster! Workers compensation settlement loans help injured workers get instant cash relief while they are waiting for a pending worker comp case to settle. If you got hurt on-the-job, suffered a workplace injury, and need a cash advance on your workers compensation settlement money, then a workers’ comp loan advance is the best financial solution to your current money worries.

Workers’ compensation insurance provides benefits to employees for work-related injuries or illnesses including medical expenses, wage loss from lost work time, cost of retraining, and compensation for long-lasting and permanent injuries. Workers comp lawsuits can take a long time to settle. Many injured workers have to wait years to receive adequate monetary compensation from the workers comp insurance.

Clients with pending workers compensation settlements turn to legal funding companies to obtain financial assistance for injured workers when waiting years for a workplace accident claim to settle is not an option. When traditional financing from banks and credit unions is not a financial option, loans against workers comp settlements are often the only cash financial lifeline for clients who need funding in order to stay afloat financially and make ends meet during the lengthy workers comp process.

State-by-State Eligibility

Financial help for injured workers is available nationwide, currently in 22 states. Find out if we offer loans against workers comp settlements in your area

Need a Buyout?

Already got a pre-settlement loan on your case from a different company and need additional funding? Learn how to get a pre-settlement funding buyout.

How Does This Work?

New to borrowing money against a pending settlement? Learn more about workers comp settlement loans and how to get a cash advance in 24 hours.

Our 3 Easy Step Process for Clients

The process to borrow against workers’ comp settlement is fast and simple. All you have to do is put in your application by calling us or applying online and we'll take it from there. Here are the 3 simple steps to get loans on workers comp claim now:

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Apply Online or Call Us Toll-Free


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We Review the Case With Your Law Firm


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The Cash is Sent Directly to You Same Day


The legal funding workers compensation process is private and confidential. The underwriter will only communicate with you and your workers' comp law firm. At no time will any authorized representative or member contact the insurance company or your medical treatment providers.

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Get $500 - $100,000 Cash in as little as 24 Hours

Cash advance for workers comp claims

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What is a Workers Compensation Loan Advance?

With a workers’ compensation loan advance, injured workers with pending workmans’ comp cases borrow money against a portion of the proceeds they expect to get from a workers' compensation settlement or award. This pre-settlement funding program is particularly popular among claimants who are faced with insufficient income or overwhelming bills because of an on-the-job-injury. Client often seek a workers comp loan to cover living expenses, rent, auto loan payments, and utility bills.

What Are the Qualifications for Workers Comp Funding?

Workers compensation funding is a relatively simple process for injured workers and the attorneys who represent them.  Here are the basic requirements for worker comp funding:

  • You got hurt on the job or in the course of your employment
  • You suffered a work-related injury or illness
  • You hired an on contingency fee agreement
  • You are 18 years of age of older
  • You reside within the United States, and your case is pending in an eligible state

Benefits of Cash Advance for Workers Comp Claims

Workers comp settlement advances offer many benefits for cash-strapped accident victims who have suffered serious workplace injuries and need money fast during the lengthy workers comp claim process. Here are some of the advantages of cash advance for workers comp claims:

  • No Credit Check
  • No Upfront Fees
  • No Out-of-Pocket Costs
  • No Job Requirements

Insurance companies make money when they take in as much as they can in premiums and pay out as little as possible in claims. Workers' compensation insurance companies are known for taking their own sweet time when it comes to making fair and prompt settlement offer. Insurers have the finances, resources, and experience to drag out the workers compensation settlement process for a long time. However, insurance claims that drag out for years can be financially straining on clients who need the settlement money to get back on their feet.

The aim of the insurance company is to financially pressure you into taking a settlement offer that is far below the value of your workmans’ comp case. Fortunately, cash advance for workers compensation settlements can empower you to hold out for an adequate workers compensation insurance offer.

Workers compensation legal funding helps to level the playing field for injured workers who deserve fair financial compensation for their workplace injuries. Case loans help you buy time without compromising your immediate financial needs. Furthermore, it can financially empower you to give your attorney more time to negotiate a bigger settlement.

Take advantage of the many benefits of a workers’ comp cash advance and get the financial assistance you deserve while you wait for your pending case to settle for maximum compensation. If the insurance company is dragging their feet and you need cash fast, call and speak with a member of our legal funding team to find out more about a cash advance for workers comp claims.

Work-related injury

The 5 Ways Clients Use Workers Compensation Settlement Loans

How can I use the money I borrow?

You can use the money however you want. Legal funding companies do not place any restrictions on how injured workers choose to use settlement advances. The majority of claimants who take out loans before settlement on workers comp use the funds for living expenses and unexpected financial emergencies. Workers compensation settlement loans are a cash financial lifeline designed to help you pay your bills, alleviate the financial pressure settle early for a low-ball offer, and help you stay afloat so you can win maximum compensation for your workplace injuries. This is a list of the top five (5) ways clients use workers compensation loans:

  1. Cash advance to pay the rent and mortgage payments
  2. Funds for unexpected vehicle repairs
  3. Money for car loan payments
  4. Cash to keep your phone, gas, and utilities on
  5. Advance funding for ordinary living expenses

A settlement loan against your workers comp case is an accident loan for just about anything you and your family need to service the lengthy process of recovering monetary compensation from a workers’ comp settlement.

Pre-Settlement Funding Reviews


What clients are saying:

The settlement loan I got from your company was a lifesaver. I really don't know what I would have done if the underwriter didn’t approve me for all the cash I needed to catch up on my bills and pay my car note while waiting to get the money from my settlement. My life has been turned upside down ever since my accident at work where I fell and injured my back. I don't know why my workers comp case is taking so long to settle. The insurance company is dragging their feet even though I had a lower back fusion surgery months ago. I just pray my workers' comp attorney is able to settle my claim soon so I can get back on my feet and move on with my life. But at least this cash loan will stop these bill collectors from the constant harassment. I appreciate all your help and professionalism.

Charlene D. - Washington State


Testimonials from satisfied clients

Loans on Workers Comp Cases

Security guard - Slip and fall - Connecticut

Truck driver - Motor vehicle crash - North Dakota

Retail store employee - Fallen object - Missouri

Factory worker - Machinery - Florida

Restaurant worker - Workplace violence - Washington

Hospital employee - Overexertion - Delaware

Bank employee - Trip and fall - Iowa

What is Workers Compensation?

Workers comp is a system that states use to compensate employees of employers when they are injured at work or within the course of their employment.

Workers' compensation laws and regulations vary from state. State regulations determine workers' compensation requirements, eligibility, and coverage.

Employers pay for workmans' comp insurance. Most states also have additional injury funds established to pay for injuries of uninsured employees in certain situations.

Each state has its own workers' compensation laws to handle claims from employees who are injured on the job. These laws are not based on negligence of the employer. That means fault and negligence by the employer and employee are not considered in order for an employee to receive benefits for injury or illness arising out of and in the course of the claimants' employment.

Injured workers are able to collect compensation for work injuries regardless of who caused the accident. Therefore, whether the employer or the employee was the cause of the employee's injury, the workers' comp system generally compensates the employee for medical costs, lost wages, and additional damages.

What Does Workers' Compensation Insurance Cover?

Workers compensation insurance is available in all 50 states throughout the United States. Workmans' comp insurance can be obtained from a private insurance carrier, a self-insured group (SIG), or through a state fund. Employers pay for this coverage and are generally prohibited from passing on the costs to employees.

State law governs workers’ compensation. Who is eligible, what is covered, and what type of benefits are available is determined which state has jurisdiction in the workers compensation case.

Workplace injuries that arises “out of the course of employment” will be covered under your state’s workers’ compensation system. On-the-job injuries that happened while you were performing your job duties, or diseases/illnesses arises from conditions at your job, will likely amount to a workers’ compensation claim.

A claim is paid if the employer or insurance carrier agrees that the injury or illness is work-related. If the employer or insurance carrier disputes the claim, no cash benefits are paid until the workers' compensation law judge or workers' compensation board decides if the injured worker has a valid workers comp claim.

Here are five things workers compensation insurance covers:

  • Medical cost to diagnose and treatment work related illnesses and injuries
  • Wage loss for missed income
  • Surgery costs, prescription, and physical therapy
  • Rehabilitation costs if you require rehabilitation therapy to enable you to return to your current job or be retrained for a more suitable position due to your injury
  • Funeral expenses and death benefits to a spouse or dependent children

Remember, if a worker is disabled, has a permanent injury, or loses their life on the job, there are additional benefits that will apply in those cases.

Why is My Workers' Comp Case Taking So Long to Settle?

The workers’ compensation process can be lengthy and financially straining on claimants. Regardless of what type of injury you suffered, what state you live in, and which insurance company is handling your claim, workers compensation cases can take years to finalize.

One of the most common questions from injured workers with pending accident claims is, "why is my workers' comp case taking such a long time to conclude." Some clients blame the insurance company for the delay, while others blame their attorneys. The truth of the matter is there can be several reasons or a combination of those reason why your injury claim is taking long to settle.

So just what is taking so long? The delay can be due to several different things. Here are some of the reasons:

  • Insurance Company: The delay could be with the insurance company. The most common reason workers’ comp cases drag on for years is because of workers compensation insurers. The workers comp claims adjuster assigned to your file may be overworked and inundated investigating and evaluating other WC claims. However, there can be malicious reasons why your settlement is still pending. Some insurance companies use delay tactics to drag out the process with the aim of taking advantage of your vulnerable financial situation. The insurance adjuster knows that the financial pressure you are under intensifies the longer it takes for you to get your settlement money. So, insurers will drag out the case and hope you take an offer less than what your case is really worth, thereby maximizing their profit.
  • Medical Treatment: The delay could also be because you are actively receiving medical treatment and have not yet received a final diagnosis from your doctor. If you are still under the case of a medical specialist or have an operation or surgical procedure scheduled in the immediate future, it may be premature thinking about having your workers compensation case settled. The best time to contemplate and move towards settlement is after you have completed receiving substantive treatment and your doctor has rendered a final diagnosis and disability rating.
  • Medical Provider: The delay could be with your doctor or healthcare provider, who may have not furnished your workers’ comp attorney with the necessary medical reports. The doctor's medical notes and reports are essential in establishing and supporting causation, damages, and permanency. Therefore, if your law firm is still awaiting critical medical notes or the final report from your medical provider, this can cause a delay in your case.
  • Formal Proceedings: The delay could even be with the court system or workers' compensation board, which does not have nearly enough resources to handle the massive amount of cases from legitimate claims.

As you can see, there are a number of factors that can delay a workers’ compensation case. A claimant would be wise to keep in regular contact with his or her attorney and request periodic written updates so you can know exactly what is going on with your case.

Is a workers' comp settlement advance right for me?

Workers comp settlement advances are ideal for injured workers who are not willing to compromise receiving maximum value for their workers’ compensation cases because of limited financial resources. These lawsuit loans can save claimants from succumbing to the financial pressure and accepting a low-ball settlement offer far below what the workers comp injury claim is worth. Yes, a workers’ compensation settlement advance is financial lifeline for clients who are financially drowning. However, accident victims injured on-the-job should carefully consider all financial options available to them before they take out pre-settlement funding against a comp case.

A scenario where it may be a good idea to get a workers’ comp settlement advance is when your insurance claim is dragging on but you are faced with insufficient income because of your workplace injury and need cash for a sudden emergency such as funeral expenses, auto repairs, child care expenses, or repairs to your home. A settlement loan against your workers comp case can help you access immediate cash against your future legal settlement to take care of that unexpected emergency and keep you in the game.

If you got hurt on the job, and need instant cash relief from mounting bills, a settlement loan can help you get a cash advance on your workers comp settlement while you wait for your lawyer to settle the case.