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Federal Employers Liability Act (FELA) insurance provides monetary benefits to railroad workers who are severely injured while working and who:

• can prove that the negligence of a railroad company, co-worker or equipment manufacturer contributed to the injuries
• file their claim within three years of sustaining the injury

Families of railroad employees killed on-the-job will also be entitled to seek compensation via FELA insurance.

FELA insurance is generally a factor following injuries sustained as the result of:

• collisions
• derailments
• exposure to toxins
• highway-rail accidents (which occur when railroads interact with highway traffic at train crossings)
• human error
• lifting heavy cargo loads
• track and equipment defects
• use of heavy machinery

FELA Endorsement

An endorsement is a written document that alters the coverage of an insurance policy by adding coverage for specific incidents or injuries. While FELA endorsements can be added when an insurance policy is started, they may also be added throughout the term of the policy (or the duration of an employee's service to a railroad company).

Examples of FELA endorsements may include (but aren't limited to) coverage for:

• contract work (either on or off premise contract work)
• short-term projects and temporary employees
• vans or other vehicles railroad workers use in the course of their service

FELA endorsements may also be referred to as Riders, addendums and/or attachments.

Railroad Accidents & FELA Claims

FELA can provide vital compensation for railroad employees who sustain:

• back, head and neck injuries
• broken bones
• burns
• crushing injuries
• disfigurement
• dismemberment
• electrocutions
• joint injuries (particularly to the knees and shoulders)
• permanent disabilities
• traumatic brain injury

In the first three months of 2009, about 1,600 individuals were injured and 150 were killed as a result of serious railroad accidents. Over the course of 2008, over 11,100 railroad accidents occurred.

Workers' Compensation & FELA Endorsements

Workers' compensation laws are distinct from FELA laws and:

• are allotted based on pre-determined benefit schedules
• vary from state to state
• usually offer smaller compensation awards to injured railroad workers (than FELA endorsements)

It's important that injured railroad workers learn about their FELA granted legal rights before filing any workers' compensation claims, as seeking workers' compensation settlements can preclude individuals from being able to pursue a settlement.

For more information about FELA insurance, contact us today.

"Norfolk Says FELA Claim was Filed Incorrectly"

Norfolk Railway Company asked a judge to dismiss a Federal Employer’s Liability Act (FELA) claim brought against them, Nov. 6. Norfolk alleges the FELA claim is defective.

<...

» Read More

 

"FELA Suit for Man Who Lost Leg"

A Federal Employer’s Liability Act (FELA) trial should be underway this month as Madison County Circuit Judge Daniel Stack begins to select a panel of 12 jurors. Charles Moore filed the ...

» Read More

 

"Another Norfolk Southern FELA Lawsuit"

A lawsuit was recently filed by a former signal maintainer for Norfolk Southern Railway against his employer.

The suit claims the company failed to provide th...

» Read More

 

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