Understanding workers’ compensation can be daunting for employees who suffer work-related injuries or illnesses. Understanding what workers’ compensation covers can help you demand the benefits you’re entitled to under the law.
Medical expenses
Workers’ compensation covers medical expenses, including doctor appointments, confinements, surgeries, medications and rehabilitation services. Under New Jersey law, employers must provide necessary medical treatment to injured workers. This ensures that employees get the essential treatment without out-of-pocket expenses.
Lost wages
Workers’ compensation provides wage replacement benefits if an injury or illness prevents you from working. These benefits typically equal 70% of your weekly salary in New Jersey. Employers who fail to follow the law may receive penalties set by the state. This financial support helps cover living expenses while you recover and cannot earn your regular income.
Permanent disability
Workers’ compensation offers additional benefits if an injury results in permanent impairment. These can be either partial or total, depending on the severity of the disability. New Jersey’s workers’ compensation law outlines the specific criteria and compensation rates for various permanent disabilities.
Death benefits
Unfortunately, work-related illnesses or injuries can be fatal. Dependents of the deceased worker may receive death benefits under workers’ compensation. This could include funeral expenses and other death-related expenses.
Vocational rehabilitation
Vocational rehabilitation services are available for workers unable to return to work due to injuries. These services help injured workers retrain for new employment opportunities, ensuring they can continue to support themselves and their families.
Recovering compensation
Understanding the scope of workers’ compensation coverage in New Jersey is essential for any employee who suffers a work-related injury or illness. By knowing your rights and the benefits available, you can navigate the system more effectively and ensure you receive the support you need during a challenging time. If you have any questions or need assistance with a claim, it’s always a good idea to seek guidance from a knowledgeable source.