Being injured on the job brings a lot of challenges that aren't easily solved with proper planning. If the injury wasn't obviously gross negligence on your part, you can count on workers compensation (also known as workers comp, or the outdated workman's comp terminology) to cover all related medical expenses while providing a percentage of pay, depending on your state. Unfortunately, there are some situations where the benefits may not be fully available to you, or simply not enough. A sample of scenarios that could happen later in workers compensation can help you understand what could go wrong, so don't sign anything until considering outcomes with an attorney.
The Blame Game
The good news is that the United States operates under a no-fault system. This means that by entering a workers compensation agreement, the situation is considered faultless on all sides. In exchange, you won't take legal action against your employer. There are always exceptions--especially when criminal misconduct is involved or later discovered--but fault isn't part of the issue.
That said, this isn't a chance for you to go around asking for forgiveness or making statements about the situation to everyone. Some people simply have apologetic personalities that make them feel bad enough to admit some fault or take some responsibility.
You have absolutely no reason to do this. It helps no one. It garners no profit, and outside of making yourself feel better, it has no bearing on legal opinion. In fact, making casual statements about fault could land you in trouble for something you seriously had nothing to do with. A small accident doesn't excuse a bad piece of equipment or faulty policy from failing and causing an injury or workplace problem, but it's too easy for the real problem to continue existing and harm others if you start accepting blame.
Don't agree to any placement of blame. Speak with an attorney, don't sign anything, and if anyone talks about disqualifying or firing you, make sure to alert an attorney to protect yourself--either from firing, or with a protective lawsuit later on that is easier to win when retaliation happens.
Some Benefits Aren't Enough
Every state is different but the set amount of workers compensation payments may not be enough for your household. If you're already barely making ends meet, a reduction in payment no matter the reason just isn't sustainable.
The good news is there are assistance programs in place to help bridge those financial gaps. Financial hardship policies in many states can either increase your pay or help you get signed up for different benefit programs temporarily as you recover.
This money is reserved for situations where workers need help, and either won't be spent otherwise or are underused to the point of needing more participants. The Electronic Benefit Transfer program, formerly known as food stamps, is one such program that doesn't get enough use--despite a lot of political debate.
Speak with a team of work injury attorneys to discuss your situation and get the help you need for a more comfortable recovery.