Every year, thousands of people are injured at work who require time off to recover. These people qualify for workers’ compensation. Unfortunately, very few people fully understand how workers’ compensation works. These are the four of the most common questions asked about workers’ compensation.
What Is Workers’ Compensation?
By law, people injured or disabled on the job are provided with fixed monetary awards to help recuperate from their injuries. Workers’ compensation laws were enacted both to ensure that employees would be protected by wage replacement in the case of injury and to make the amount of compensation standard to eliminate the need for most litigation. Most states require employers to have workers’ compensation insurance to pay for these injuries.
What Benefits Are Provided By Workers’ Compensation?
Workers’ compensation benefits are generally made up of disability income pay, medical care, death benefits, and vocational rehabilitative services. Workers’ compensation programs vary greatly in each state and company in terms of compensation and benefits, including which injuries and illnesses are covered. Most workers’ compensation programs pay for certain medical and rehabilitation expenses, repay about two-thirds of lost earnings, and pay in the case of death or permanent injury. When an employee dies at work, workers’ compensation usually pays for funeral costs.
How Do I Qualify For Workers’ Compensation?
You need to file a formal claim with your employer by filling out a claim form. (A family member can file a claim if the employee is killed.) This usually includes an independent medical examination, where a doctor chosen by the insurance company performs an exam and reports the patient’s injuries to the insurance company. The insurance company then uses this to determine the compensation offer. Sometimes a workers’ compensation case will require a lawsuit if the original offer is too low. In these cases, you will most likely need the help of a workers’ compensation lawyer.
Do I Have To File For Workers’ Compensation Right Away?
It is always best to file a claim as quickly as possible in order to ensure that you do not miss your chance to file a workers’ compensation claim. It is imperative that you immediately report the injury to your supervisor and submit a proper accident report. However, with respect to the filing of a formal claim in a Court of Compensation, you usually have at least one to two years to formally file a claim. In New Jersey, you have two years from the date of your last authorized medical treatment to file a claim. It is important to remember, however, that it will take time for your claim to be approved. You will not be given any compensation until you finish filing your claim. For this reason, it is best to start the process as quickly as possible.
At Petro Cohen, the attorneys will review the details of a claim and then determine the compensability of the injury in question. The NJ workers’ comp attorneys at the firm are capable of effectively handling an employee’s claim with the professionalism needed to negotiate the settlement. While claims regarding workplace injuries can be confusing, Petro Cohen has the experience needed to take care it. Call today or fill out the contact form for a prompt response.