How to Calculate Workers’ Comp Benefits in Wildwood, NJ
Calculating workers’ compensation benefits in Wildwood, NJ, can be complicated, especially if your insurer challenges your medical and disability claims. Despite the mandatory nature of workers’ comp insurance in New Jersey, the system relies on for-profit insurers seeking ways to minimize their payouts.
Always work with a dedicated workers’ comp lawyer from Matarazzo & Lubcher when calculating your benefits. Our experienced legal team can ensure you receive the maximum available payout in your case.
Available Workers’ Compensation Benefits
If you suffer from a job-related disabling injury or illness in Wildwood, NJ, you’re likely entitled to claim workers’ compensation benefits. This no-fault insurance system provides eligible employees with critical medical and lost wage benefits. It can also cover the cost of vocational rehabilitation, including retraining, if you’re physically unable to return to your previous profession.
Family members can also recover certain death benefits and settlements if their loved ones pass away from the associated injury or illness. Always speak with a dedicated workers’ comp attorney to ensure you’re maximizing available benefits.
Workers’ Comp Payouts for Medical Expenses
Workers’ compensation insurance provides two main benefits: medical expenses and lost wages. Medical costs are paid directly to a participating medical facility and work similarly to health insurance benefits. WC insurers must cover all reasonably necessary medical treatments related to the workplace injury or illness, including:
- Hospitalizations
- Prescriptions
- Physical therapy
- Doctor’s visits
- Nursing care
- Occupational therapy
- Ambulance and emergency care
Any treating physician or facility, except in emergencies, must be in-network with your workers’ comp insurer. There is no limit on WC medical benefits in NJ, and your insurer may be required to provide lifetime care without shifting co-pays and costs to you. However, attorneys may work with the workers’ comp insurer to settle your claims in a lump sum once you’ve reached maximum medical improvement.
Calculating Lost Wages in New Jersey
Unlike medical expenses, lost wage benefits are paid directly to the injured worker. According to the Department of Labor & Workforce, these are generally calculated at 70% of the injured worker’s average weekly earnings, with a 2025 minimum weekly payout of $309 and a maximum weekly payout of $1,509. These numbers are based on the statewide average weekly rate of all workers in NJ. Your average weekly wage (AWW) for WC benefits is calculated based on your earnings from the previous six months (26 weeks). It includes both regular wages, overtime, and bonuses. Once calculated, you should receive 70% of your average weekly earnings before taxes.
Count on Our Experienced Workers’ Comp Attorneys in Wildwood, NJ
If you do not have six months of consistent earnings history, were injured as a temporary or seasonal worker, or had certain abnormally low-earning weeks during the prior six-month period, discuss the value of your workers’ comp claims with the dedicated WC lawyers at Matarazzo & Lubcher. Different calculations may be used in these cases, and our Wildwood attorneys can help maximize your workers’ comp benefits.
Schedule a free and confidential case evaluation today by calling (856) 460-5805 or contacting us online.