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Can't Work Due to Injury? Here's What to Do Next

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When you can’t work due to injury, it hits hard. Your routine’s gone, bills keep coming, and it’s easy to feel like everything is piling up at once. Maybe you’ve already filed for workers’ comp. Maybe you’re still trying to figure out what to do next. Either way, it’s a tough place to be—and you shouldn’t have to figure it out on your own.

We talk to people every day who are injured and unable to work. Some are stuck waiting for a check. Others have no idea what benefits they even qualify for. And then there are folks asking, “What if I can’t work because of an injury long-term? What happens then?”

At Ethen Ostroff Law, we help injured workers all across Pennsylvania make sense of this process. We’ll walk through what happened, what’s been done so far, and what needs to happen next to make sure you’re taken care of—financially and medically. And it all starts with a free conversation.

can't work due to injury

Injuries That Can Keep You Off the Job

Not every injury heals with a week of rest and an ice pack. Sometimes it can take months to recover. Others might leave you unable to work due to injury long-term—or even permanently. We see it happen to workers across all industries in Pennsylvania, especially those in construction, warehouses, healthcare, and manufacturing.

According to state data, nearly 140,000 nonfatal workplace injuries and illnesses were reported in Pennsylvania in 2022. That number doesn’t just represent statistics—it’s real people who suddenly found themselves injured and unable to work, struggling to keep up with everyday life while navigating the workers’ comp system.

Some of the most common injuries we see that disrupt a person’s ability to return to work include:

  • Sprains, Strains, and Tears: These are the kinds of injuries that sneak up on people—lifting the wrong way, reaching too far, or just doing the same task over and over. They can cause lasting pain and mobility issues.
  • Back and Spinal Injuries: Whether it’s from lifting heavy equipment or twisting the wrong way, back injuries are a leading reason people can’t get back to work. Some deal with chronic pain for years.
  • Slips, Trips, and Falls: A wet floor, uneven steps, or just a moment of distraction can lead to broken bones, concussions, or worse. Falls are one of the top causes of work-related injuries.
  • Musculoskeletal Problems: These affect the muscles, joints, and tendons—usually from repetitive motion, awkward posture, or poorly designed workspaces. They often develop over time but can be just as limiting.
  • Fractures: A broken bone might not seem serious at first, but depending on the location and severity, it can sideline someone for months.
  • Burns, Exposure to Chemicals, or Electrical Injuries: These are less common but often much more serious. Recovery can be long, painful, and, in some cases, incomplete.

If you’re unable to work due to injury, it’s important to get the right help early. The sooner you know your options, the better your chances of protecting your income and your future.

Workers' Compensation in Pennsylvania

When you get hurt on the job, workers’ compensation is supposed to step in and help. It’s there to cover your medical care and give you a portion of your paycheck while you’re out. You don’t have to sue your boss or prove they messed up—if your injury happened because of your work, that’s usually enough to get started.

The idea is simple: if you’re injured and unable to work, you shouldn’t have to worry about how you’ll pay rent or put food on the table. Workers’ comp provides a structured way to handle workplace injuries to keep injured workers afloat while they heal and help employers avoid lawsuits.

Your Rights If You're Injured and Unable to Work

If you’re injured and unable to work, Pennsylvania law gives you important protections. Here’s what you’re guaranteed:

  • You have the right to appeal if your workers’ comp claim is denied or your benefits are cut off. 
  • You may be able to choose your own doctor after a certain period, depending on your employer’s list. 
  • Your medical records and claim details must stay private—confidentiality is your right. 
  • If your injury keeps you from working, you have the right to receive disability payments. 
  • You’re entitled to get medical treatment for your work-related injury without delay. 
  • If you can’t return to your old job, you may qualify for help with retraining or finding new work.

These rights are there to make sure you’re not left behind while recovering from a job-related injury.

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Who's Eligible (and Who's Not) for Workers' Comp in PA

Workers’ comp in Pennsylvania covers a wide range of workers—but not everyone qualifies. Here’s a simple breakdown to help you figure out where you stand.

You’re Likely Eligible If.

  • You’re an employee—full-time, part-time, or seasonal. 
  • Your injury happened while doing something job-related. 
  • You reported the injury on time and followed your employer’s process. 
  • You’re a volunteer working in a role that qualifies under state rules.

Most people injured on the job in Pennsylvania fall into this group.

You Might Not Be Eligible If.

  • You’re an independent contractor (unless you were misclassified and are really an employee). 
  • You were under the influence or acting recklessly when you got hurt. 
  • You’re a domestic or agricultural worker, depending on how the law treats your role. 
  • You waited too long to report the injury or didn’t follow required procedures.

These situations could make you ineligible for workers’ comp.

Benefits Available When You Can't Work Due to Injury

When a job injury leaves you hurting and out of work, workers’ compensation helps cover what matters most. Here’s what is available in Pennsylvania:

  • Death benefits: for your dependents if a workplace injury is fatal. 
  • Medical benefits: for all necessary and reasonable treatments related to your injury. 
  • Mileage reimbursement: for travel to and from medical appointments. 
  • Permanent partial disability benefits: if your injury causes lasting problems that reduce your ability to earn. 
  • Total disability benefits: that may continue if your impairment rating after 104 weeks is 35% or greater, indicating a permanent total disability. 
  • Temporary partial disability benefits: if you can work but only in a limited capacity. 
  • Temporary total disability benefits: to replace your wages entirely while you’re recovering and cannot work. 
  • Vocational rehabilitation: such as retraining or finding a new job, if you cannot return to your old one and if you qualify.

Knowing which benefits you qualify for helps you get the support you need while you recover.

How to File a Workers' Comp Claim in PA

Don’t stress. Getting your workers’ comp benefits is just a few simple steps:

  • Tell your employer about the injury as soon as possible—don’t wait. 
  • Get medical care right away, and make sure your treatment is documented. 
  • Write down what happened and gather anything that could help your claim, like photos or witness info. 
  • The employer (or you) notifies the workers’ comp insurance company. 
  • You may have to attend a hearing, especially if there’s a dispute. 
  • If things get complicated—or you’re unsure about your rights—talk to Ethen Ostroff Law. It’s worth having someone in your corner.

It’s not complicated, but each step matters. The sooner you start, the better.

Appealing a Denied Workers' Comp Claim (Step-by-Step Guide)

Take a deep breath. Getting denied doesn’t mean it’s over, especially when you’re unable to work due to injury. The good news? You can appeal, and here’s exactly what to do:

  • Understand the “No”: That denial letter explains why they refused your claim. Read every word. 
  • Gather Your Proof: Medical records, witness contacts, accident photos—anything that helps your case. 
  • Call In Reinforcements: A good workers’ comp lawyer speaks the insurance company’s language. 
  • Beat the Clock: PA gives you just 20 days to appeal. Don’t miss your window. 
  • Prep for Your Day in Court: Your attorney will help get all your evidence ready. 
  • Consider Settling: Sometimes mediation gets you faster results. 
  • Keep Treating: Stay on track with doctors and save every receipt. 
  • Stay On It: Check your mail/email daily for updates.

Here’s the truth: Insurance companies bank on you giving up. But when you can’t work due to injury, those benefits are your lifeline. Ethen Ostroff Law is here to help you through every step.

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When Someone Else Caused Your Work Injury

You already know that workers’ comp covers medical bills and part of your lost wages if you can’t work due to injury, regardless of who was at fault. But here’s something people often miss: if someone outside your company played a role in what happened, you might be able to go after them too.

For example, maybe you were hurt because:

  • A contractor left dangerous equipment in your work area 
  • A defective ladder collapsed underneath you 
  • Another driver hit you while you were out making deliveries 
  • A building owner never fixed a leak that caused your fall

In cases like these, Pennsylvania law lets you file a third-party claim. This is separate from your workers’ comp case. While workers’ comp takes care of the essentials, it doesn’t cover everything. A third-party claim could help you recover:

  • Pain and suffering 
  • The full amount of your lost wages 
  • Compensation for the emotional impact of the injury

Of course, there’s a catch. You must prove the third party was at fault. And you can’t get paid twice for the same expense. But if someone else’s negligence contributed to your injury, you shouldn’t be left holding the bag.

Bottom line: If your injury involved anyone outside your company, let’s talk. At Ethen Ostroff Law, we’ll dig into the details and help you figure out what you’re really entitled to, not just the bare minimum.

How Long Do You Have to File a Claim?

When you’re hurt at work, timing can decide whether you get paid or get nothing. Pennsylvania has strict deadlines and missing them could cost you your case. Here’s what to know:

  • Workers’ Compensation Claims: You generally have 3 years from the date of injury to file. But there’s a major catch:

  • You must report the injury to your employer within 120 days 
  • Sooner is always better—delays create problems

The 3-year clock can shift if:

  • Your employer quietly covered medical costs without a formal claim 
  • You didn’t realize your injury was work-related right away 
  • You were misled about your rights

Waiting only makes things harder. The longer you delay, the more proof fades, and the more leverage you lose.

  • Third-Party Injury Claims: If your injury was caused by someone outside your job—like a careless subcontractor, a bad driver, or faulty equipment—you might have a third-party claim. That gives you:

2 years from the date of the injury to file a lawsuit

In some cases, extra time if:

  • The injury wasn’t immediately obvious 
  • A minor is involved

Miss these deadlines, and that’s it. No check. No benefits. No second chances. Get a lawyer involved early, before things get messy. The insurance company knows every deadline. You should too.

Unable to Work Due to Injury? Ethen Ostroff Law Can Help

When you‘re sidelined by an injury, everything shifts. Your routine, your income, your peace of mind—it all gets thrown off. And while you’re trying to rest and heal, you’re also stuck asking, “Now what?” Ethen Ostroff Law can help. We listen first, then build a strategy tailored to your job, your injury, and your needs. We’ll make sure the system works for you, whether it’s workers’ comp, disability benefits, or a third-party claim. Your recovery deserves real support. Call now for a free case review.

Frequently Asked Questions

If you’re unable to work because of a job injury in Pennsylvania, you may qualify for several benefits. These usually include medical coverage for treatment, weekly checks that replace about two-thirds of your wages, and possibly long-term disability payments if the injury has lasting effects. How long these benefits last depends on how serious your injury is and how long you’re out of work.

If your injury happened on the job, you can typically claim wage-loss benefits (again, around 66% of what you were earning), full medical coverage for things like doctor visits, therapy, and prescriptions, and—if the injury causes permanent damage—you may qualify for additional payments. Serious cases like amputations or permanent disfigurement also come with specific benefits. Just make sure everything is properly documented and filed on time.

Yes, you might still qualify for Social Security Disability Insurance (SSDI) even after settling a workers’ comp claim. Just keep in mind: your SSDI payments could be reduced depending on how your workers’ comp settlement is structured. That’s why it’s smart to speak with an attorney before settling, especially if your injury could keep you from working long-term.

In most cases, workers’ comp pays more at first—usually about two-thirds of your wages, and it’s tax-free. SSDI tends to pay less monthly, but it can last longer if you qualify. The key difference is that workers’ comp is based on what you were earning when you got hurt, while SSDI is based on your lifetime work history. If you’re getting both, there’s a limit: together, they can’t go over 80% of your usual income.

You can—but there’s a catch. If you’re getting both workers’ comp and SSDI, the government usually reduces your SSDI payment so your total monthly benefits don‘t go over 80% of your pre-injury income. That’s why planning ahead with a lawyer matters—especially if you’re dealing with a serious, long-term injury.

If you’re hurt badly enough that you can’t do your job—or any job—PA workers’ comp kicks in with wage replacement and full medical coverage. You’ll likely start with temporary disability payments, and if you’re still out after a while, your case might be reviewed for permanent benefits. If your injury is permanent and totally disabling, you could qualify for lifetime support.

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His career began in public service as a Surveillance Officer in Maricopa County, where he gained firsthand experience in high-stakes decision-making and developed a deep sense of discipline and accountability. He later served as Chief Operating Officer of a fast-growing law firm, driving efficiency, revenue growth, and team development. Today, Ryan focuses on helping law firms reach their full potential by aligning people, processes, and long-term vision. A strategic thinker and empowering leader, Ryan is passionate about developing others and guiding organizations through meaningful, lasting growth.

Passionate about securing legal rights, Joseph actively participates in pro bono work through various organizations, including Christian Legal Aid of Pittsburgh and the ABA Military Pro Bono Project. Licensed to practice in Pennsylvania and the U.S. District Court for the Western District of Pennsylvania, he is a member of the Allegheny County and Pennsylvania Bar Associations. Outside of work, Joseph enjoys sports, reading, and creative writing, and has been involved in rowing and curling. He resides in Mt. Lebanon, Pennsylvania, with his parents.

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While in law school, he distinguished himself as Executive Editor of JURIS Magazine, received the prestigious CALI Excellence for the Future Award, and completed five hands-on internships that laid a strong foundation for his legal career.


Nicholas began his post-graduate career clerking for the Honorable Linda Rovder Fleming in the Cambria County Court of Common Pleas. From there, he quickly found his calling in workers’ compensation, personal injury, and Social Security disability law—areas where he could directly impact people’s lives in moments of crisis. He’s helped clients navigate complex legal claims, including securing a settlement exceeding $300,000.

Nicholas brings clear communication, genuine empathy, and an unrelenting drive to achieve the best outcomes for his clients. Whether he’s navigating a complex workers’ comp claim or pushing for a major settlement, he brings focus, dedication, and deep legal knowledge to every case.

He’s also a proud member of Pennsylvania Advocates for Justice and remains active in various professional legal organizations. Nicholas is licensed to practice law in Pennsylvania.

When he’s not fighting for the injured, Nicholas is enjoying time with his family, kicking a soccer ball around, hitting the golf course, or cheering on Pittsburgh’s local teams.

Joe Ring heads the workers’ compensation department at Ethen Ostroff Law, where he takes pride in fighting for injured workers.

Joe is a Philadelphia native and maintains deep roots in the area.  As the grandson of a Philadelphia Firefighter, son of a Philadelphia public school teacher, and veteran of the United State Marine Corps, he was taught to value service, dedication, and hard work.   He applies these values to every case and takes great satisfaction in representing hard-working clients with those same traits.

After obtaining his bachelor’s degree in history from St. Vincent College in Western Pennsylvania, he graduated from Villanova Law School in 2012 and, since then, has litigated hundreds of workers’ compensation hearings and trial depositions on behalf of both employers and injured workers.  During this time, Mr. Ring has written articles and presented Continuing Legal Education courses on developments in Pennsylvania Workers’ Compensation Law.  He is active in local professional organizations, and, in 2022, he served a Co-chairperson of the Philadelphia Bar Associations Workers’ Compensation Section.

Since coming to EOL in 2024, he has dedicated his practice entirely to helping injured workers navigate the system and obtain their rightful benefits.

Joe is licensed to practice in Pennsylvania.

Brandon Zanan heads the personal injury claim department with Ethen Ostroff Law.

Brandon’s education in both law and medicine assist him in expertly representing badly injured victims. Brandon has a Master’s Degree in Forensic Medicine from the Philadelphia College of Osteopathic Medicine, with a concentration in anatomy and pathology. With this knowledge,  Brandon is skilled at analyzing medical records and understanding injuries that are common in personal injury claims. He uses this expertise in conjunction with listening carefully to each client’s needs, in order to fiercely advocate for clients and tell their stories when they would not otherwise have a voice.

Brandon’s background includes a variety of experience and skills in various areas of civil practice. He is the author and editor of numerous books for the George T. Bisel Publishing Company, including “Pennsylvania Damages” and the “Pennsylvania Vehicle Code Annotated,” two texts that are frequently relied on by lawyers and judges across Pennsylvania as authoritative resources on personal injury law.

Brandon is a member of the Pennsylvania and Montgomery Bar Associations. He is also a member of Pennsylvania Association for Justice, and has served as an executive board member of the Montgomery American Inn of Court.

He is admitted to practice in the Commonwealth of Pennsylvania, the United States District Courts for the Eastern District of Pennsylvania and Middle District of Pennsylvania, the State of New Jersey, the United States District Court for the District of New Jersey, and in the Commonwealth of Virginia. Brandon has represented many clients in motor vehicle, premises liability, animal bite, and products liability cases across Pennsylvania and New Jersey and has obtained outstanding results with millions of dollars recovered for his clients.

He has been named a Pennsylvania Rising Star from 2021 onward. The “Super Lawyers-Rising Star®”, list recognizes no more than 2.5 percent of attorneys in each state

Brandon currently lives in Malvern with his wife Rachel and their son Max.

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EO may, in its sole discretion and without prior notice, block and/or terminate your access to the Site and if we determine that you have violated these Terms of Use or other terms or agreements or that may be associated therewith or if you use the Site in a way that we deem, in our sole discretion, to be an unacceptable use.

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