In New Jersey, the workers' compensation system is designed to provide financial and medical benefits to employees who suffer work-related injuries or illnesses. This system ensures that injured workers receive the support they need without having to navigate the complexities of a traditional lawsuit against their employer. Understanding the nuances of the workers' compensation process is important to making sure you receive the benefits you are entitled to.

For many employees, the aftermath of a workplace injury can be overwhelming. Medical bills may pile up, time away from work means you aren’t earning any income, and the physical pain and emotional stress can be debilitating. The workers' compensation system is in place to alleviate some of these burdens by providing a structured and relatively straightforward way for injured workers to secure compensation they need for medical treatment and lost wages.

However, navigating the workers' compensation system can still be challenging, especially for those unfamiliar with the process. There are specific steps that must be followed, deadlines to be met, and paperwork to be completed accurately. Failing to adhere to these requirements can result in delays or denials of benefits. At Brandon J. Broderick, Attorney at Law, we understand these challenges and our NJ workers comp lawyers can help guide you through the process.

Continue reading for an in-depth overview of New Jersey’s workers' compensation system, including eligibility criteria, the types of benefits available, the claims process, and tips for ensuring your claim is processed smoothly.

Understanding New Jersey Workers' Compensation

Eligibility for Workers' Compensation

In New Jersey, most employees are covered by the workers' compensation system. This includes full-time, part-time, and seasonal workers. To be eligible for benefits, the injury or illness must be work-related, meaning it occurred during the course of employment. This can include injuries sustained in a single incident, such as a slip and fall, as well as conditions that develop over time, such as repetitive stress injuries.

It is important to note that certain categories of workers, such as independent contractors, may not be covered under the traditional workers' compensation system. If you are unsure about your eligibility, consulting with an experienced attorney can help clarify your status and guide you on the appropriate steps to take.

Types of Benefits Available

New Jersey’s workers' compensation system provides several types of benefits to injured workers. These include:

1. Medical Benefits: Coverage for all necessary and reasonable medical treatment related to the work injury. This includes doctor's visits, hospital stays, surgeries, physical therapy, and prescription medications.
2. Temporary Total Disability Benefits: If your injury prevents you from working for more than seven days, you may be eligible for temporary total disability benefits. These benefits are typically 70% of your average weekly wage, subject to minimum and maximum limits set by the state.
3. Permanent Partial Disability Benefits: If your injury results in a permanent impairment but does not completely prevent you from working, you may receive permanent partial disability benefits. These benefits are based on the extent of your disability and your pre-injury wages.
4. Permanent Total Disability Benefits: If your injury is so severe that you are unable to return to any type of work, you may be eligible for permanent total disability benefits. These benefits are also calculated at 70% of your average weekly wage and can continue for an extended period, often for life.
5. Death Benefits: If a worker dies as a result of a work-related injury or illness, their dependents may be eligible for death benefits. These benefits include financial support for the deceased worker’s dependents and coverage for funeral expenses.

The Claims Process

Navigating the workers' compensation claims process involves several key steps. Here’s a detailed look at what you need to do:

1. Report the Injury: Immediately report the injury or illness to your employer. This should be done as soon as possible, as delays can jeopardize your claim. New Jersey law requires that you notify your employer within 90 days of the injury.
2. Seek Medical Attention: Obtain medical treatment from a provider authorized by your employer or their workers' compensation insurance carrier. Keep detailed records of all medical visits and treatments, as these will be crucial for your claim.
3. File a Claim Petition: If your claim is denied or you encounter issues receiving your benefits, you may need to file a formal claim petition with the New Jersey Division of Workers’ Compensation. This petition initiates a legal process to resolve disputes and secure your benefits.
4. Attend Hearings: If your claim is disputed, you may need to attend hearings before a workers’ compensation judge. Having legal representation can be beneficial during these proceedings to ensure your rights are protected.

Tips for a Smooth Claims Process

1. Keep Detailed Records: Document everything related to your injury, including medical treatments, communications with your employer and insurance carrier, and any expenses incurred. This documentation can support your claim and help resolve disputes.
2. Meet Deadlines: Adhering to deadlines is crucial in the workers' compensation process. Ensure you report your injury promptly and file any necessary paperwork within the required time frames to avoid delays or denials.
3. Seek Legal Assistance: Navigating the workers' compensation system can be complex, and having an experienced attorney can make a significant difference. At Brandon J. Broderick, Attorney at Law, we specialize in helping injured workers secure the benefits they deserve. Our team can guide you through the process, handle disputes, and represent you in hearings if necessary.

Brandon J. Broderick, Attorney at Law Has Helped Injured Workers in NJ For Decades

Understanding New Jersey’s workers' compensation system is essential for getting the benefits you are entitled to after a work-related injury or illness. By familiarizing yourself with the eligibility criteria, you can better navigate the system and secure the support you need.

At Brandon J. Broderick, Attorney at Law, we are committed to helping injured workers in New Jersey. If you have questions about your eligibility or need assistance with your claim, contact us today for a consultation. Our experienced team is here to provide the guidance and support you need to achieve the best possible outcome.