Injured on the Job? Here’s What You Should Know.

What do I do if I was Injured on the Job?

If you were injured while you were at work, you may be entitled to worker’s compensation benefits.  Worker’s compensation is a no-fault insurance program that compensates workers who are disabled while on the job.  It can provide them with medical treatment, wage replacement, and permanent disability compensation.  It also provides death benefits to dependents of workers who have died as a result of their employment.  With workers compensation, an injured employee will likely receive benefits regard of who was at fault.  If you receive workers compensation you may not be able to print a lawsuit against an employer, unless the act was intentional.

What Kind of Benefits May I Receive for Workers’ Compensation

Under Workers’ Compensation you may be entitled to the following benefits:

  • Medical benefits. This would be for necessary and reasonable medical expenses related to the work injury.
  • Temporary Total Benefits. This would include benefits paid to the injured person if they are disabled for a period of more than seven days, at the equivalent of 70% their average weekly wage
  • Permanent Partial Benefits. If a worker is permanently injured he or she could receive payments based on the individual’s functional loss.
  • Permanent Total Benefits. If an injured person can no longer hold any type of gainful employment due to the work injury, he or she can receive these benefits.

What Types of Companies Should Have Workers’ Compensation Insurance?

In New York, any business with one or more employees, and any employer who is not covered by federal programs, should carry Workers’ Compensation insurance.  These can include:

  • Corporations.  All corporations in New Jersey that have one or more individuals performing services for them, including corporate officers, must maintain workers’ compensation or be approved for self-insurance.
  • Partnerships/LLC.  All partnerships and LLCs in New Jersey must maintain workers’ compensation insurance or be approved for self-insurance if they have at least one individual performing services for this.  This excludes the partners or members of an LLC.
  • Sole Proprietorship. Sole proprietorships must maintain workers’ compensation insurance or be approved for self-insurance if they have at least one person performing services for them.  This excludes the principal owner.

If you were injured on the job and seek assistance from an experienced attorney, contact our firm today.

The law firm of Mattleman, Weinroth & Miller, P.C., is composed of experienced attorneys throughout the states of New Jersey and Delaware. Please contact the office for a free initial consultation and get any questions answered regarding your specific case.