Table of contents:
Eligibility and Benefits
Workers’ compensation benefits are available to employees who suffer work-related injuries or illnesses in New Jersey. To be eligible, employees must meet certain criteria, including:
- The injury or illness must arise out of and in the course of employment.
- The employee must be an employee of the employer, not an independent contractor.
- The employer must have workers’ compensation insurance.
If an employee meets these criteria, they may be entitled to a range of benefits, including:
- Medical expenses: These cover the costs of medical treatment, including doctor’s visits, hospital stays, and medication.
- Lost wages: Employees may receive temporary disability benefits if they are unable to work due to their injury or illness. These benefits are typically two-thirds of the employee’s average weekly wage.
- Disability payments: Employees who are permanently disabled due to their injury or illness may receive permanent disability benefits. These benefits are typically a percentage of the employee’s average weekly wage, depending on the severity of the disability.
Legal Representation
Seeking legal representation for workers’ compensation claims is crucial. An experienced attorney can guide you through the complex legal process, protecting your rights and maximizing your benefits.
Navigating the Legal Process
Navigating the workers’ compensation system can be challenging. Attorneys are well-versed in the legal complexities and procedures, ensuring you meet all deadlines and requirements. They can negotiate with insurance companies on your behalf, advocate for your interests, and represent you in hearings or appeals if necessary.
Common Injuries and Illnesses
Workers’ compensation in New Jersey covers a wide range of injuries and illnesses sustained by employees in the course of their employment.
These include:
Musculoskeletal Disorders
- Back injuries, including strains, sprains, and herniated discs
- Neck injuries, including whiplash and nerve damage
- Shoulder injuries, including rotator cuff tears and dislocations
- Knee injuries, including meniscus tears and ligament sprains
- Carpal tunnel syndrome and other repetitive stress injuries
Musculoskeletal disorders are the most common type of injury covered by workers’ compensation in New Jersey, accounting for over 60% of all claims.
Mental Health Conditions
- Depression and anxiety
- Post-traumatic stress disorder (PTSD)
- Work-related stress
Mental health conditions are becoming increasingly common in the workplace, and workers’ compensation can provide benefits for employees who suffer from these conditions as a result of their employment.
Occupational Diseases
- Asbestos exposure
- Exposure to toxic chemicals
- Noise-induced hearing loss
- Respiratory illnesses, such as asthma and bronchitis
Occupational diseases are caused by exposure to hazardous substances or conditions in the workplace, and can lead to serious health problems.
Resources and Support
Navigating the workers’ compensation system can be complex. Fortunately, various resources and support organizations are available to assist claimants in New Jersey.
These organizations provide legal guidance, emotional support, and practical assistance to help individuals understand their rights and maximize their benefits.
Support Organizations
- New Jersey Division of Workers’ Compensation: Provides information, resources, and support services to injured workers. (Website: https://www.nj.gov/labor/wc/index.html, Phone: 609-292-2110)
- New Jersey Workers’ Compensation Bar Association: A professional organization representing attorneys specializing in workers’ compensation law. (Website: https://www.njwcba.org/)
- New Jersey AFL-CIO: A labor union federation that provides support and advocacy for injured workers. (Website: https://njaflcio.org/, Phone: 609-984-3150)
- New Jersey Citizen Action: A non-profit organization that advocates for the rights of injured workers and provides legal assistance. (Website: https://www.njcitizenaction.org/, Phone: 973-643-6133)
