At New Jersey workers’ comp law firm Petro Cohen, P.C. we get a lot of questions about what kinds of benefits are covered in workers’ compensation claims. Today’s blog will help readers answer a few of their questions about workers’ comp coverage.
The medical benefits of workers’ compensation are intended to cover doctor visits, medication and surgeries related to identifying and treating your injury or illness. Should you need special therapy or equipment to deal with your injury, workers’ comp will also cover these costs as well.
Rehabilitation benefits initially cover medical and therapeutic care necessary for you to recover and cope with your injury or illness. Then, they cover the care and physical or occupational therapy necessary for you to regain skills and abilities you need to return to work. Although, if you are unable to return to your previous position, rehabilitation benefits may help you to qualify for different work through evaluation, retraining, and tuition compensation.
Disability benefits are meant to compensate you for wages while your injury or illness makes it impossible for you to work. There are four categories of disabilities:
- A temporary total disability prevents you from working, but only for a limited amount of time. Meaning that someday you may be able to return to your full duties just as you did before your injury or illness.
- A temporary partial disability prevents you from doing some of your regular work duties, but only for a limited amount of time. In other words, you can do some of your regular duties now, but in time you may be able to do all of them again.
- A permanent total disability is one that prevents you from ever returning to the same job as when you were injured or ill. This doesn’t mean that you will never work, just that you won’t be able to return to the same or a similar job.
- A permanent partial disability prevents you from ever doing some of the duties required in your regular work.
If your injury or illness falls into one of these four categories, your disability benefits will be based upon the amount you were earning prior to your injury—typically, two-thirds of your regular wages. But you will not have to pay income tax on the benefits you collect.
In most cases, funeral expenses are part of workers’ compensation benefits. But if you are the dependent of someone who died as a result of a work-related injury or illness, you may be entitled to some workers’ comp health benefits. Workers’ compensation is meant to compensate the dependents of the deceased workers’ earnings, but some situations require the help of an experienced Atlantic City workers’ compensation lawyer to help determine if you can receive certain benefits.