Workers’ compensation laws protect those who are injured on the job.
Workers compensation laws are designed to ensure that employees who have been injured or disabled while working are provided with benefits. These laws also provide benefits for the dependents of those workers who are killed because of work-related illnesses or accidents. State statutes establish this structure for most employment.
An injured employee will receive benefits regardless of who was at fault. In exchange for these benefits, the worker cannot bring a civil action against the employer for pain and suffering or other damages, except in cases of intentional acts.
The New Jersey Workers Compensation Law provides for the following benefits:
- Medical Benefits – All necessary and reasonable medical treatment, prescriptions and hospitalization services related to the work injury are to be paid by the employer’s insurance carrier or directly by the employer if they are self-insured.
- Temporary Total Disability Benefits – if a injured worker is disabled for a period of more than seven days, is unable to work and is under active medical care then he or she will be eligible to receive temporary total benefits.
- Permanent Partial Benefits – if a injured worker is not totally disabled but has some type of lasting impairment or who are only capable of returning to modified or lower-paying work may be eligible to receive permanent partial benefits.
- Permanent Total Benefits – any injury or illness that prevents a worker from returning to any type of gainful employment may be eligible to receive permanent total benefits.
- Death Benefits – any dependents of a worker who dies because of a work related injury or illness may be eligible to receive death benefits.