Is the compensation money that a worker received from his company for a work-related accident permissible (halal), and is Zakat obligatory on it, knowing that the company will obtain a larger amount from the insurance than what it paid to the worker?

If an employee is entitled to a deferred sum from insurance and wishes to expedite receiving some of it through his company, this constitutes selling deferred money for immediate money of the same kind, which is usury (riba) and is not permissible under any circumstances if there is a surplus. Additionally, there is a lack of immediate possession and an element of uncertainty (gharar). As for zakat, it is not obligatory on the money until a full year has passed since its complete ownership.