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How are Medical Bills Paid if I Have a Claim?

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How are Medical Bills Paid if I Have a Claim?

If you are injured on the job, you may find yourself scheduling appointments with specialists and undergoing medical imaging, laboratory tests, and other procedures. In New Jersey, if you are hurt in the scope of your employment, you can bring a workers’ compensation claim. If your claim is approved, your employer’s insurance carrier should cover your medical expenses, given that you follow appropriate procedures.

If you have been injured while performing your job, our Cherry Hill workers’ compensation lawyers are ready to advocate for the compensation you deserve.

What Types of Medical Expenses are Covered Under Workers’ Comp?

Under New Jersey workers’ compensation law, employees are entitled to have all “necessary and reasonable” medical treatments covered. However, you must choose a provider that is approved by your employer. While there are some exceptions for emergency care or second opinions, seeing a doctor outside the pre-approved list may result in your medical benefits claim being denied.

Examples of medical services covered under New Jersey workers’ compensation include:

Process of Applying for Medical Benefits

To ensure that you receive benefits in New Jersey, you must report your accident to your employer within 90 days. Once your employer is notified, they will file a First Report of Injury form with their workers’ compensation insurance carrier.

The insurance company must render a decision regarding your claim within a reasonable amount of time. If your workers’ compensation claim is approved, your treating physician will submit claims directly to the workers’ compensation insurance carrier. Once the claim is processed, payment is typically rendered within two to six weeks. You should never see or must pay the medical bills from your providers.

Protecting Your Rights and Interests

A work injury can derail your future plans, leaving you worrying about your finances and future. At The Law Offices of Matarazzo & Lubcher, P.C., our Cherry Hill workers’ compensation lawyers understand the sacrifices you make for your job. You should not give all your time and energy to a company that cannot uphold its promise when it comes to providing workers’ comp benefits. 

An insurance company may challenge some medical expenses. It might believe that your injuries are due to a chronic condition or that one of your injuries is related to something else (especially if you suffered multiple injuries). If you have recently applied for benefits and were denied, our legal team can help you in appealing the decision. 

If you decide to file a formal claim petition, you must do so within two years of your injury. The appeals process is complex, making it essential that you have a persistent advocate by your side.

Applying for Medical Benefits? Our Cherry Hill Workers’ Compensation Lawyers Want to Hear from You

If you or a loved one have recently experienced a work accident, help is on the way. When you hire the team at The Law Offices of Matarazzo & Lubcher, P.C., you are hiring attorneys who will work tirelessly to defend your interests. To schedule your free consultation with one of our Cherry Hill workers’ compensation lawyers, contact us online or by phone today.