Work injuries have a way of turning an ordinary day into something far more complicated than anyone expects. One moment, you are focused on your job, your responsibilities, and your routine, and the next, you are dealing with pain, uncertainty, and a growing list of questions about what comes next. Read this blog and reach out to the seasoned Union County workers’ compensation lawyers here at The Mark Law Firm to learn more about what workers’ comp covers in New Jersey and how we can help you fight for the benefits you deserve. Here are some of the questions you may have:
What types of medical treatment are covered under workers’ compensation?
Workers’ compensation in New Jersey is designed to cover all necessary and reasonable medical care related to a workplace injury. That said, the process is not always as straightforward as people expect, and there are specific rules that must be followed. In most cases, covered medical benefits include the following:
- Doctor visits and hospital care
- Surgery and specialist treatment
- Prescription medications
- Physical therapy and rehabilitation
- Medical devices, such as braces or crutches
It is important to understand that your employer or their insurance carrier typically has the right to choose the authorized treating physician. If you seek treatment on your own without approval, there is a strong chance those bills may not be covered. This detail alone can make a significant difference in how smoothly your claim progresses.
Does workers’ compensation pay for lost wages in New Jersey?
When an injury keeps you out of work, even for a short period of time, the financial impact can be immediate and overwhelming. Fortunately, New Jersey workers’ compensation provides wage replacement benefits under certain conditions. Here is how wage benefits generally work:
- You may qualify if your injury prevents you from working for more than seven days
- Temporary total disability benefits are typically paid at 70 percent of your average weekly wage
- These benefits are subject to minimum and maximum limits set by state law
- Payments continue until you are able to return to work or reach maximum medical improvement
It is worth noting that these benefits are not intended to fully replace your paycheck, but they are meant to ease the burden while you recover.
Are permanent injuries or disabilities covered by workers’ compensation?
Not every work injury heals completely, and in some situations, workers are left dealing with long-term or even permanent effects. New Jersey workers’ compensation recognizes this reality and provides additional benefits for lasting impairments. Permanent disability benefits may include:
- Partial permanent disability for injuries that affect a body part but still allow you to work
- Total permanent disability if you are unable to return to any form of gainful employment
- Scheduled loss awards for specific injuries, such as loss of hearing, vision, or use of a limb
The amount and duration of these benefits will depend on the severity of your injury, as well as medical evaluations that determine the extent of your impairment. If you have further questions or would like to speak with a seasoned workers’ compensation lawyer about your case, contact The Mark Law Firm today.
