Workers’ Compensation Benefits in New Jersey
New Jersey offers workers’ compensation to cover claims associated with work injuries. The New Jersey Workers’ Compensation Act asserts that employees do not need to prove employer negligence to receive benefits. Additionally, all employers, except those covered by federal programs, must carry workers’ compensation insurance.
Unfortunately, many people are unaware of the benefits available to injured workers as well as how to access them. If you were hurt on the job, you may be entitled to workers’ compensation benefits in New Jersey, including coverage for medical bills, lost wages, and more.
What Types of Workers’ Compensation Benefits Are Available?
When most people think of New Jersey workers’ compensation, they think about medical benefits. Workers’ comp covers all necessary and reasonable medical treatment, though an employer or insurer is allowed to select the treating physician. This applies to surgery, prescription drugs, and physical therapy.
If an employee cannot work for more than seven days, Temporary Total Disability benefits will kick in. These benefits pay out at 70% of the average weekly wage. Benefits stop paying out when the worker returns to work, reaches the maximum medical improvement, or after 400 weeks. Additional benefits are paid for disabilities that are permanent.
Common Injuries Covered by Workers’ Comp
Work injuries range in severity. Many injuries that occur at work are traumatic, including lacerations, fractures, and burns. Some employees experience repetitive stress injuries, such as tendonitis and carpal tunnel syndrome. Occupational diseases, like mesothelioma and hearing loss, can also make someone eligible for benefits.
An insurer could claim that an injury or illness already existed, which limits claim options. In other cases, insurers may claim that an injury is not as bad as the employee claims it is. Each case is different, so it is important to get help with a claim if any complications arise.
Filing a Workers’ Compensation Claim
In order to collect workers’ compensation benefits, employees in New Jersey must first notify the employer about the injury within 90 days of the incident. Filing a claim can be complex, and workers’ comp may deny or dispute a claim. Injury victims can request a hearing before a judge. During this stage, legal counsel may become a crucial part of the plan moving forward.
If workers’ comp benefits are denied or terminated, legal counsel can request an informal hearing with a claims examiner. If this is not helpful, the lawyer can file a formal claim petition. Workers have the right to legal representation and appeal during this process, and they also have protection from employer retaliation.
Contact a New Jersey Attorney for Help Securing Workers’ Compensation Benefits
While it seems as if the workers’ comp claims process should be straightforward, this is not always the case. A lawyer could ensure that the classification of your injury is accurate and fight for you to receive fair benefits. If your claim is denied or your benefits are terminated prematurely, a professional could file an appeal on your behalf. They handle complex problems, including cases that involve pre-existing conditions.
Acting quickly and knowing your rights can help you establish a stronger claim. If you were injured at work, speak with an experienced attorney to improve your chances of receiving the benefits you deserve. Contact our lawyers to discuss workers’ compensation benefits in New Jersey.
