In the second part of our discussion of New Jersey workers’ compensation benefits, we’ll be going over the last three benefits and what the families of injured or deceased workers can expect from the employer. New Jersey law requires employers who don’t participate in Federal programs to purchase workers’ compensation insurance. In cases where work is done in New Jersey or a work contract is entered into in the state, out of state employers may be required to purchase insurance as well.
In addition to medical benefits and permanent total disability benefits, the following three types of benefits also play roles in determining what kind of compensation an injured or deceased employee and their family can expect should an on the job accident occur.
- Temporary Disability Benefits: If an employee is injured and misses work for more than seven days, they will receive temporary benefits at a rate of 70% of their weekly wage, which is not to exceed 75% or drop below 20% of the Statewide Average Weekly Wage. Once the worker is no longer on active medical treatment or their condition reaches the maximum medical improvement (MMI), their temporary benefits will stop.
- Permanent Partial Benefits: If an employee is injured on the job and receives a partial permanent disability such as loss of use of the eye, hand, or other limb, they can receive this type of benefit. Other injuries can relate to the heart, back, lungs and more.
- Death Benefits: Dependent family members of an employee who dies due to work related injuries will receive death benefits of 70% of the worker’s weekly wage. This amount is not to exceed the maximum benefit amount set annually by the Commissioner of Labor. The surviving spouse and natural children who lived with the deceased at the time of death are considered dependents. $3500 will be paid for funeral expenses and will be paid to either the state or the individual who is responsible for the funeral bill.
If you or a loved one has been injured on the job in New Jersey, you are eligible for New Jersey workers’ compensation benefits. The experienced Princeton workers’ compensation lawyers at Lependorf & Silverstein have the knowledge and skill required to ensure you get the help you deserve after an on the job injury or death. For more information, call (609) 240-0040 for a free and confidential evaluation.