Types of Injuries Covered by Workers’ Compensation in New Jersey
Workers’ compensation in New Jersey and throughout the nation covers a broad range of work-related injuries and illnesses. If you were injured in the course of your work, it is very likely covered by workers’ compensation. Discussing your unique claim with an experienced Pleasantville workers’ compensation attorney at Matarazzo & Lubcher early on is an excellent plan.
Your Injury is Related to Your Job
Employers are required to purchase workers’ compensation coverage for their employees. This system helps streamline the claims process, ensuring that workers are covered if they suffer physical injuries in the course of their work. This includes when you are in the process of performing your job and may include when you are simply at work, such as during your on-site breaks.
It’s important to note that you may be covered even if you are not at your place of work. For example, if you were in a company car or your own vehicle performing a job-related task when you were injured, workers’ compensation coverage still applies.
Covered Injuries
If the injury you sustain on the job keeps you away from work for at least seven days, you are entitled to workers’ compensation benefits that relate to lost income. If the injury does not reach this threshold, you can seek medical benefits for your necessary and reasonable medical expenses.
Physical Injuries
If the physical injury is severe enough, it can support workers’ compensation wage benefits. Some of the most common examples include the following:
- Broken bones
- Sprains
- Spinal cord injuries
- Traumatic brain injuries
- Serious cuts and burns
- Internal injuries
- Limb loss and injuries that require amputation
- Injuries to the hands
- Injuries that cause blindness
Virtually any kind of physical injury is covered under workers’ compensation insurance.
Occupational Illnesses
Occupational illnesses refer to illnesses that develop as a result of the work you do or as a result of the conditions you work under. Such diseases are caused by exposure to work-related risk factors through inhalation, ingestion, absorption, or direct contact with contaminated materials. Common examples include respiratory conditions, rashes and other skin disorders, cancers, and various other health issues.
Injuries that Are Not Covered
A better way to define the kinds of physical injuries that are covered by workers’ compensation is addressing those injuries that are not covered. In the following instances, the work-related injury won’t be covered:
- If the injury was self-inflicted, which can mean intentionally or as a matter of reckless behavior
- When the injury is a result of misconduct or goofing off, which includes getting into a physical fight on the job
- If the injury occurs off-site, unless the employee was performing a work-related task or was traveling for work
Speak to an Experienced Pleasantville Workers’ Compensation Lawyer Today
The compassionate Pleasantville workers’ compensation attorneys at Matarazzo & Lubcher are well-prepared to unleash the full force of our experience and legal skill on behalf of your rightful compensation. Learn more by contacting us today.