I vagually remember something re workers comp. If you're injured you can get copensation on a no blame basis - ie. even if you do something stoopid and injure yourself you can still get money. However if you believe your employers negligence has caused your injury then you can pursue them for damages, however if you do not succeed you lose your claim to workers comp payments and may have to pay and payments you have recieved back.
I think, i'm no expert