Workers’ compensation. You have undoubtedly heard the term, but unless you or a loved one have ever been injured in a workplace accident, you may not understand what it is. Workers’ compensation is an intricate system of laws governed by the New Jersey Workers’ Compensation Act (N.J.S.A. 34:15-1 et sq.) for the efficient administration of benefits to injured workers.
Workers compensation is not simply personal injury law in a workplace setting. The law allows certain benefits to be provided including medical treatment, temporary disability benefits and a permanent disability award. There is extensive interplay between workers’ compensation and other programs such as State Temporary Disability, Social Security Disability, Unemployment, pension disability and numerous others. Our workers’ compensation attorneys have the knowledge and experience to help guide you through this difficult time.
Upon getting injured, you should immediately report the accident to your supervisor and ask for medical treatment. Ensure that your injury is reported by the employer to their workers’ compensation carrier, ask for the insurance carrier information so you can follow up as well. In New Jersey, the employer (through their insurance carrier) gets to dictate your medical care – meaning they can select the doctors you treat with. The carrier is also obligated to pay for all related costs to the authorized medical treatment. Should the authorized doctor keep you out of work for seven (7) or more days then you are generally entitled to temporary disability benefits which would represent 70% of your average weekly wage subject to yearly maximum and minimums. Lastly, once you have completed medical treatment, should you have suffered a functional loss as a result of the work injury, you may be entitled to a permanent disability award.
For such a seemingly straightforward system, the workers’ compensation program has a surprising number of pitfalls. At KMH&L Attorneys at Law, our personal injury attorneys are not only intimately familiar with personal injury law, but are also well versed at workers compensation claims. We know what type of injuries are considered workplace injuries, what benefits you deserve and will zealously fight for all that you are entitled to. Perhaps most importantly, we can help you remember that you are not alone.
If you have experienced a workplace or job-related injury and want to find out what you should do next, call our Hamilton, New Jersey office at 609-586-9000 to schedule a consultation.