Workers Comp Attorney Northern New Jersey Relies On Discusses Types of Workers Compensation Benefits
If you have been injured while a work, you may be entitled to workers compensation. There are a variety of benefits that employees can receive from workers compensation that are consistent throughout different states. In most states, workers compensation will provide disability benefits, medical coverage, rehabilitation, and even death benefits. While the benefits remain the same throughout different states, the way the benefits are provided does differ.
You may want to contact a Northern New Jersey workers comp attorney if you are having to sort out your workers compensation. The workers compensation lawyers at Rispoli & Borneo P.C. will work to help ensure you are fairly compensated for the injury or illness you sustained while working.
The most basic piece of workers compensation insurance is medical coverage. This would apply to all medical costs. Costs that would be included are:
- Doctor visits
- Hospital care
- Nursing care
- Medical diagnostic tests
- Physical therapy
- Medical equipment, such as wheelchairs or crutches
These benefits would be provided to the employee until they are fully recovered. This medical coverage is most commonly unlimited and does not charge the employee for copays or deductibles.
If an employee is receiving disability benefits, they are intended to replace the employee’s wages that they would otherwise lose due to being unable to work from an injury sustained at work. The employee would not receive the full amount of lost wages, but a portion of them. Disabilities are separated into four different categories:
- Temporary Partial: The disability is short-term and the employee is partially disabled from their injury. An instance of this would be if an employee broke their wrist while working. They would be able to work part-time or do a job that doesn’t require strenuous work until their wrist is better.
- Temporary Total: When an employee is completely disabled and not able to work at all but the disability is short-term, this is considered a temporary total disability. An example of this time of injury would be if an employee hurts their back and is prohibited from working at all for eight weeks. After the eight weeks, the employee is able to go back to their regular work.
- Permanent Partial: The ability of an employee to work is partially impaired from a permanent injury. An example of this would be if they lost their hearing.
- Permanent Total: An employee is injured to the point where they are no longer able to earn income by doing the type of work that was done when the injury took place.
In many states, vocational rehabilitation is provided to employees who are not able to go back to work at their previous job due to a work-related injury. States also provide psychological rehabilitation is there has been a mental injury due to a job-related injury.
If an employee were to die from an injury at the workplace, the death benefits would be paid to the employee’s spouse, children, or any other dependents. The burial costs of an employee would also be covered.
Contact a Northern New Jersey Workers Comp Attorney Today
It is important if you have been injured at the workplace that you receive proper compensation and coverage. If you do not feel you are being properly cared for after a workplace injury, contact the professionals at Rispoli & Borneo P.C. Our workers compensation attorneys will work on your behalf to try to ensure you receive the full amount of compensation and coverage as possible. We will use our expertise to try and minimize your stress during this difficult time.
Contact a workers comp attorney Northern New Jersey trusts from Rispoli & Borneo P.C. today for a free consultation.