The Benefits Available in a Workers’ Compensation Claim
When you have suffered an injury at work, one that prevents you from fulfilling the requirements of your job, New Jersey law allows you to file a claim for benefits under the state’s workers’ compensation laws. What losses are covered by workers’ compensation insurance? What if your injuries are permanent, such as the loss of a limb? This blog post provides an overview of the kinds of benefits available through workers’ compensation.
At the Law Offices of Mallon & Tranger, we offer full-service counsel to people who have been hurt at work. If you have unanswered questions about your rights after a work-related injury, contact us online or call us at (732) 410-6094). There is no charge for your first consultation.
Compensation for lost wages will typically be based on two different factors: whether your disability is total or partial, and whether or not the injury is temporary or permanent. Most workers’ compensation claims involve injuries that have resulted in a temporary total disability, where the injured party cannot perform any job-related duties for a limited period of time. To qualify for permanent disability benefits, you need not show that you cannot work at all, but only that you are unable to return to your job or a similar one. If your disability is considered to be total, you will receive the maximum benefit, using calculations based on prior income, for a specified period. If your disability is determined to be partial, the workers’ compensation provider will pay a percentage of benefits available, calculated on the degree of disability.
The Costs of Medical Care
After a workplace injury, you are generally entitled to reimbursement or payment of all medical expenses resulting from your accident or injury, including hospital expenses. Coverage typically includes doctor visits, prescriptions and any necessary surgical procedures. Your employer may require that you be treated by a doctor of their choosing, but you are also entitled to a second opinion from your own physician. Depending on the circumstances of your injury, workers’ compensation may pay for special procedures, such as pain therapy or psychological counseling.
If, as a part of medical treatment, you are required to have rehabilitation or physical therapy, the costs of such care are normally covered in a workers’ compensation claim.
In New Jersey, death benefits are payable to surviving family members after a work-related death.
Contact Mallon & Tranger
We offer a free initial consultation to people in New Jersey who have been hurt at work. To set up a meeting, contact us online or call us at (732) 410-6094) for an appointment. We have offices in Freehold, Toms River and Point Pleasant.