What Does Workers’ Compensation Include?
If you’ve suffered an injury on the job, you’ll turn to your workers’ compensation coverage to address your losses, but you may not know what categories of loss are included. While workers’ compensation is less comprehensive than personal injury coverage, it addresses important losses that include a specific percentage of your lost income as well as those related medical expenses that are deemed necessary. If you have a workers’ compensation claim, it’s time to consult with an experienced Cherry Hill workers’ compensation attorney.
How Workers’ Compensation Works
Employers in New Jersey are required to carry workers’ compensation insurance on all their employees, and when a worker is injured on the job – regardless of who is at fault – they are covered by that workers’ compensation policy. This streamlines the process and ensures that employees are covered, but there is a give-and-take going on.
The workers’ compensation process strives to balance employers’ rights and responsibilities with those of employees. While employers are required to purchase workers’ comp insurance, they’re protected from more costly, more time-consuming, and more disruptive personal injury claims. For their part, employees are entitled to coverage in a more streamlined process, but they give up the right to sue for more comprehensive compensation that includes their physical and emotional pain and suffering.
What’s Covered
In a New Jersey workers’ compensation claim, you can seek compensation for your losses in each of the following categories:
- Your required medical treatment – but your employer or the insurance company has the right to choose the healthcare provider you use
- Lost wages while you’re off the job recovering, including any ongoing medical expenses, such as physical therapy
- Permanent partial disability benefits, which can apply if you’re able to return to work but aren’t able to work at the same level that you did prior to being injured
- Temporary total disability benefits if you can’t return to work for at least seven days – which is generally calculated at 70 percent of your average weekly wages and is paid throughout your recovery
- Permanent total disability benefits, which are triggered if you’re unable to work at all or if you lost the use of two major body parts in a work-related accident
You can seek workers’ compensation benefits if you suffer an injury on the job, if you become ill as a result of the work you do, or if you sustain a repetitive strain injury as a direct result of your work.
Make the Call to an Experienced Cherry Hill Workers’ Compensation Lawyer Today
If you were injured in the course of doing your job, the accomplished workers’ compensation attorneys at Matarazzo and Lubcher – proudly serving Cherry Hill, New Jersey – dedicate our impressive practice to tirelessly advocating for the rights and rightful compensation of valued clients like you. The outcome of your workers’ compensation claim is important to your future, so please reach out by contacting us online or calling 856-353-4439 for more information about what we can do to help you today.