When a worker is injured, he or she is required to inform the employer about the accident, including when and where it happened. The worker should also state that the injury occurred while working. It is then up to the employer to notify its workers’ compensation insurer, and arrange medical assistance for the injured worker. Medical and disability benefits are paid in amounts according to a state-approved formula.
Workers’ compensation benefits available to qualified employees include:
- Medical benefits. Workers’ compensation pays for authorized related medical treatment costs. If the medical provider or treatment is not approved by the employer or workers’ compensation insurance company, the bills may not get paid.
- Temporary total disability. When a doctor certifies that a worker cannot work because of a work-related injury, workers’ compensation provides a weekly payment up to a maximum amount until the worker’s doctor states that the worker has recovered enough to return to work.
- Permanent partial disability. Workers who suffer a lasting injury may obtain compensation for the effect their partial disability will continue to have on their ability to earn work.
- Permanent total disability. Workers who are determined to be unable to perform any paying job may obtain benefits for life, but they will have to show that they are still totally disabled through medical evidence.
- Death benefits. Dependents of a worker who has died from a job-related injury or illness may obtain a funeral allowance and survivor payments by filing a formal claim.
An injured worker does not have to prove anyone was at fault to obtain workers’ compensation insurance benefits. He or she must only show that the injury or illness was related to job duties.
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A good reference and outline of New Jersey Workers’ Compensation laws can be found at the following web site: New Jersey Department of Labor and Workforce Development.
Directions to Workers Compensation Courts and Offices are available here.