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So, a New Jersey workers compensation insurance policy provides three benefits: medical benefits, temporary disability benefits, and a permanency ward or a settlement at the end of the case. The medical benefits are paid 100% by the insurance company. There are no deductibles. There are no co-pays. The trade-off is that the insurance company manages the care, meaning that the insurance company gets to select the medical providers that the injured worker treats with. The insurance company also gets to pre-authorize the
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treatment. Now, if a dispute arises between the treatment that the injured worker wants or thinks that they deserve and what the insurance company is willing to provide, the attorney who represents that injured worker can file what’s called a motion for med and temp in the workers’s compensation court and a judge will get involved to resolve the dispute.
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