In the US state of New Jersey, it is mandatory for all employers to provide worker’s compensation to their employees. Even out-of-state employers who hire people in New Jersey for any work need to have state coverage. Employers who fail to provide proof of coverage may have to pay massive fines or even face criminal charges.
A workers’ compensation lawyer NJ can help you file a claim in case of a work-related illness or injury. Also referred to as workman’s comp, this coverage will help you recover losses and expenses owing to the unfortunate incident.
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Is there a minimum and maximum payroll for the compensation?
Yes, there is. Executive officers need a minimum average payroll of $660 and a maximum of $2,640 per week to qualify for the compensation. This kind of payroll average keeps the claim benefits and premiums under control.
Which injuries are covered by the insurance?
You should hire a worker’s compensation lawyer in NJ in case of a workplace injury or illness owing to the following:
- Illness as a result of working in hazardous environments involving harmful chemicals or allergens.
- Injuries or accidents as a direct result of the work.
- Repeated stress or strain injuries developing over some time because of your work.
What does the compensation cover?
The New Jersey worker’s compensation covers a wide area of expenses for employees who get hurt or fall sick due to their work. Some important benefits provided are listed below.
- Medical expenses – These include drug prescriptions, a visit to the emergency room, and any surgeries that the employee may require.
- Lost income – Not all business owners can afford to keep paying employees who need extra time off to recover from work-related injuries. The compensation can take care of this.
- Occupational illness – Some jobs are incredibly risky. For instance, working with harmful chemical substances that may cause ailments or other unpleasant reactions. A worker’s compensation covers injuries and disabilities caused due to working in such conditions.
- Short and long-term disabilities – Sometimes, a workplace mishap can cause partial, temporary disability. Other and more unfortunate times, the damage may be permanent. The compensation covers expenses for employees that suffer a loss of limbs or other types of disabilities.
- Ongoing medical costs – Employees that suffer serious injuries may need prolonged treatments that include physiotherapy or surgeries. The worker’s comp covers the costs for these.
- Funeral expenses – On average, around 50,000 deaths occur at the workplace each year. While most of them happen in trucking or construction industries, they can happen anywhere. The compensation covers funeral costs of employees that have lost their lives in a workplace tragedy.
Who is exempted from the compensation?
There are a few exceptions to the worker’s comp law in New Jersey. These include unpaid volunteers, independent contractors, unpaid interns, and sole proprietors without any employees.
If you do not fall within any of the groups mentioned above, you need to be covered under the New Jersey compensation law. A worker’s compensation lawyer in NJ can guide you through the details. They will help you recover expenses against workplace hazards and accidents.
Sudarsan Chakraborty is a professional Blogger and blog writer. He lives and breathes in the blogging industry. He regularly writes on Widetopics to keep all the readers updated with the latest facts on wide range of topics.