Workers’ Compensation FAQs
Workers’ Compensation benefits provide compensation for the costs related to work-related injuries. When an employee gets hurt on the job, Workers’ Compensation benefits will cover a portion of lost wages, as well as coverage for emergency room visits, hospitalization, surgery, medical testing, cognitive and physical therapy, and prescription medications that are necessary for the worker to recover and return to work. In cases of permanent disability, Workers’ Compensation benefits can provide much needed financial income. Review the following Workers’ Compensation FAQs to familiarize yourself further with the process.
What Injuries are Covered Under Workers’ Compensation?
When an employee is injured on the job, or if they contract a work-related illness, Workers’ Compensation benefits are available. Common injuries and illnesses include:
- Head and Neck Injuries
- Traumatic Brain Injuries (TBI)
- Back Injuries
- Broken Bones
- Hearing Loss
- Torn Muscles, Tendons, and Ligaments
- Repetitive Stress Injuries, such as Carpal Tunnel Syndrome
- Nerve Injuries
- Degenerative Joints
- Severe Cuts and Lacerations
- Respiratory Illness
What If the Workplace Injury was My Fault?
The New Jersey Workers’ Compensation Act provides Workers’ Compensation benefits to injured workers, regardless of who is to blame for the accident. Even when a worker is fully or partially to blame for the incident, Workers’ Compensation benefits apply so long as the accident is work-related. It is not uncommon for benefits to be initially denied but working with an experienced Workers’ Compensation lawyer can ensure you successfully appeal the denial and claim compensation.
What If My Workers’ Compensation Claim is Denied?
Workers’ Compensation benefits can be initially denied, but injured workers have the right to appeal. It is always a good decision to consult with an experienced Workers’ Compensation lawyer if your benefits have been denied. There are strict deadlines and statute of limitation stipulations connected to the appeals process. A judge will decide whether to reverse the denial of benefits or uphold the denial. Working with a reputable Workers’ Compensation lawyer can ensure that these important deadlines are met and that the evidence presented to the judge shows just cause for the right to claim compensation.
How Do I File a Workers’ Compensation Claim?
The process to file for Workers’ Compensation benefits begins the moment a workplace accident or work-related illness occurs. Medical intervention is the priority in all cases, but as soon as the injured worker is stable, the accident must be reported to the supervisor, manager, or employer. Corporate policies should outline the process for reporting injuries and illnesses, so it is imperative that workers know the corporate reporting procedure before an injury occurs.
Once the injury or illness is reported, the employer’s insurance carrier will then review the details of the report and issue or deny benefits. Once Workers’ Compensation benefits are approved, the injured employee will see the employer’s doctor of choice that will assess the nature and extent of the worker’s injuries and determine a treatment plan.
Workers’ Compensation benefits will pay partial wages to employees that are out of work for more than a week due to their injury. They will also cover all medical costs involved in treating the injury. In some cases, a worker may have the right to sue a third party that may be liable for the workplace accident. For example, a worker that is injured due to a scaffold collapse may be entitled to file a personal injury claim against the manufacturer of the scaffold. An experienced Workers’ Compensation lawyer can advise on the potential for additional compensation.
Cherry Hill Workers’ Compensation Lawyers at DiTomaso Law Help Injured Workers Claim the Benefits They Deserve
After reviewing these Workers’ Compensation FAQs, if you or someone you know has suffered a workplace accident, or if you have been diagnosed with a work-related illness, the Cherry Hill Workers’ Compensation lawyers at DiTomaso Law can help. Call us at 856-414-0010 or contact us online to schedule a free consultation today. Located in Cherry Hill, New Jersey, we serve clients throughout South Jersey, including Mt. Holly and Camden County.