Worker’s Compensation in New Jersey
Workers’ Comp Eligibility
In the state of New Jersey, injured workers have a right to receive compensation if their illness or injury is related to their job. This compensation is provided so that an injured worker will have access to income during the time they cannot work. Employers who are not covered by government programs are required by law to have workers’ compensation insurance, but receiving this financial compensation usually requires employees to engage in a long and drawn out process with the employer and insurance company. However, obtaining legal counsel can greatly speed up the process and give workers access to the funds they have been promised.
How to Qualify
Before an injured worker can claim workers’ compensation benefits, they must meet certain criteria. First, the injury or illness in question must have occurred at the worker’s place of employment. Second, the company the employee works for must have workers’ compensation insurance. Finally, a worker must be a legal employee of the company. Temporary workers, contractors, and seasonal workers are not covered.
During the process, the insurance company must decide if a worker’s injury is “compensable.” If the company does, then the worker will receive full benefits. These benefits will cover any lost wages as well as medical expenses. Workers can also receive compensation if their injury results in a permanent disability that prevents them from returning to work.
Types of Benefits
After an on-the-job injury, most workers have trouble making ends meet. If you do not have a way to cover your everyday living expenses and medical bills, you can easily exhaust your savings in a relatively short period of time. There are three types of benefits that you can receive from workers’ compensation.
- Temporary total benefits allow you to recoup a portion of your lost income as long as you are unable to work.
- Permanent total benefits provide partial benefits to workers who are unable to return to work.
- Permanent partial benefits provide a limited amount of compensation to workers who are permanently unable to work.
The type of benefits you receive will be determined by the insurance company, and will depend on the extent of your injuries. However, there will be times when a company refuses to pay, even after a worker proves that he or she was injured on the job. If this happens to you, you will need an attorney to help you protect your rights. Here at Lependorf & Silverstein, P.C., you will have access to New Jersey worker’s compensation attorneys with a history of legal excellence. Contact us at (609) 240-0040 for additional information.
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