In our two part series on the different types of New Jersey workers’ compensation benefits, we’ll be discussing various types of insurance and how employees can receive them. There are different rules, regulations and requirements for each one and it’s important that injured employees understand them.
Employers who are not covered by Federal programs are required to obtain workers’ compensation insurance by law in New Jersey. Depending on if a contract is entered into in New Jersey or if work is performed in the state, out of state employers may also need to acquire workers’ compensation insurance.
Among the five types of benefits that fall under the umbrella of New Jersey workers’ compensation, the first two that we’ll talk about include medical benefits and permanent total disability benefits.
- Medical Benefits: All pertinent medical treatment, hospital visits and prescribed medication will be paid for by the employer’s insurance company. The employer has the right to choose the physician unless he or she refuses to provide necessary treatment to the employee or if there is an emergency. In the event of an emergency, the employee may choose the physician; however, they should notify their employer immediately of all treatments and procedures.
- Permanent Total Disability: When a worker is permanently injured and cannot return to work, they will receive 450 weeks’ worth of benefits at 70% of his or her weekly wage. This amount is not to exceed 75% of the Statewide Average Weekly Wage (SAWW). The injured worker may receive continued benefits if they can prove that they are not able to work beyond the 450 week allotment.
There are times when the injuries sustained while on the job are more serious and require more monetary compensation than what workers’ compensation insurance can provide. In other instances, there may be a third party involved and without the proper counsel of a New Jersey workers’ compensation attorney, you may receive only a fraction of the compensation you deserve. You need understand your legal rights and the experienced lawyers at Lependorf & Silverstein can help you protect them. If you’d like more information or to schedule a free consultation, please call (609) 240-0040 today.