Workers’ Comp Coverage for Surgery and Ongoing Medical Care
Your employer is required to cover you with workers’ compensation insurance, which kicks in if you are injured on the job or suffer a work-related illness. This coverage includes your reasonable and necessary medical expenses and addresses ongoing healthcare needs, such as future surgeries and therapeutic care. Obtaining just compensation that addresses these future expenses, however, tends to be more challenging. At Matarazzo & Lubcher in Pleasantville, our skilled workers’ compensation attorneys are here to help.
Extended or Delayed Needs
If you face unforeseen medical needs that are directly related to your job-related injury, your case will be more complicated. Extended or delayed medical needs are challenging to predict, making it more complex to pursue fair compensation.
Common Examples of Long-Term Medical Needs in Pleasantville
The kinds of long-term medical needs that are most likely to require attention in workers’ compensation claims include the following:
- Additional surgical procedures can pop up as a consequence of the underlying injury even years after the fact.
- Regularly scheduled appointments with doctors and medical specialists may be required as a function of monitoring your progress and adjusting your treatment plans in response.
- If you require physical therapy in the future to effectively address the limitations you experience in relation to range of motion or mobility.
- You may require costly prescription medications to help manage your pain and to address quality of life concerns well into the future.
Failing to appreciate the full extent of your ongoing medical expenses can leave you with inadequate compensation.
Maximum Medical Improvement
A key concern when it comes to your workers’ compensation benefits is what’s called your maximum medical improvement (MMI). This refers to the point at which you are expected to reach your maximum recovery after being injured on the job. Making important decisions regarding workers’ comp before reaching your MMI is not advised.
New Jersey’s Settlement Option
New Jersey offers a lump-sum settlement option for those injured on the job, and it is designed to cover all your current and ongoing medical expenses. In response, you are well advised to proceed with caution.
The factors taken into consideration when calculating lump-sum settlements include the following:
- Your current age
- The severity of your injury and the degree to which it affects your ability to work
- Estimated future medical treatments and procedures
Negotiating a fair settlement that effectively addresses your ongoing medical needs requires considerable legal insight. Turn to your formidable workers’ compensation lawyer to skillfully advocate for your financial rights.
Consult with an Experienced Pleasantville Workers’ Comp Lawyer Today
The capable Pleasantville workers’ compensation attorneys at Matarazzo & Lubcher will spare no effort in their quest to identify the full scope of your future medical needs and to obtain compensation that adequately covers these needs. Learn more by contacting us by phone or online today.