If you were injured while working, you should contact a New Jersey workers’ compensation lawyer from Rispoli & Borneo, P.C. Getting an injury at work may seem like a hopeless situation, especially if your financial situation is tight. Luckily, in the United States, almost all employees are protected by the workers’ comp system. If you were injured as a result of doing your job, then chances are incredibly high that you will have your medical bills compensated in full. Learn more about the protection that comes from this system from a workers’ compensation lawyer New Jersey employees trust.
What Is Covered?
Workers’ comp can cover all financial losses that result from the injury if it happened while you were working. This includes:
- Lost wages
- Miscellaneous expenses
- Loss of earning ability
Essentially, if you had an expense because of the injury, then it will be compensated. The system is quite generous with what is considered connected to the injury. The goal is to return you to the financial state you were in prior to the injury.
However, workers’ comp does not cover non-financial damages. For instance, a personal injury lawsuit usually compensates a victim for emotional trauma and physical suffering. This is not something that workers’ comp covers.
Who Is Covered?
There are two requirements for your injury to be covered by workers’ comp:
- You must be an employee.
- The injury must have happened while working.
The term “employee” refers to a specific kind of worker. The definition is complicated, but there is an easy way to know for sure whether or not you are an employee. If your employer withholds a portion of your paycheck for taxes, then you are an employee. Unpaid volunteers, contractors, and freelance workers are not covered by workers’ comp.
The second requirement is that the injury must have happened while working. Essentially, if the injury was the direct result of actions you or a co-worker took to benefit the company, then it qualifies. Injuries that result from inaction are also covered, as are injuries resulting from simply being in a dangerous environment for work. It does not matter who is “at fault” for the injury. You can be compensated by workers’ comp even if the injury was your own fault. To see if you would be covered, you can go over the details of the accident with your NJ workers’ compensation lawyer.
In nearly all cases, it is very clear whether an injury is work-related or not, but there are rare instances where this can be disputed. If you think you qualify for workers’ comp but you have been denied or your employer refuses to file for it, then you should hire a workers’ compensation lawyer in NJ immediately. If you cannot receive workers’ comp, then you may be able to file a lawsuit against the responsible individual. For more information, speak with a trusted workers’ compensation lawyer in New Jersey from Rispoli & Borneo, P.C.!