Workers’ Compensation Lawyer in Audubon, NJ
Have you gotten injured or fallen ill at work? Call Audubon workers’ compensation lawyer Stan Gregory for help with your New Jersey workers’ comp claim. Stan Gregory has over twenty years of experience helping the workers of New Jersey receive their due compensation. Put his experience to work for you.
Insurance companies, like any other type of company, intend to make a profit for their shareholders. They only make a profit when they collect premium payments and then deny, delay, or underpay workers’ claims. Unfortunately, this often results in New Jersey’s workers not receiving the workers’ compensation benefits they deserve.
Insurance companies have a team of lawyers on their side, looking out for their bottom line. You need Stan Gregory on your side to level the playing field for you. Call Stan Gregory today at 609-281-5100 and receive your free, no-obligation initial consultation. Stan Gregory only takes cases on a contingency basis so that there are no out-of-pocket legal fees.
What a Workers’ Comp Lawyer Does
If you’ve never suffered a workplace injury you may not know what a workers’ comp attorney does and why you need one. Workers’ comp attorneys help workers navigate the legal process of filing a workers’ compensation claim in two critical ways. First, they offer legal advice on how to effectively report a workplace incident or accident and what type of information and documentation they must obtain when they visit a doctor. Second, they represent and advocate for their clients during negotiations with the insurance company and during any legal proceedings in workers’ compensation court, if proceedings become necessary.
An experienced workers’ comp attorney acts as your guide through the confusing and complicated legal process of filing a claim, and will fight the insurance companies if they try to deny you your due compensation.
What You Should Do When You’re Injured at Work
Here are the three steps you must take if you suffer an injury at work, or if you think there is a chance you might develop an injury or illness due to an incident or experience at work:
- You must report the incident or accident to your supervisor or manager so that there is a record of it. This record helps prove your case, especially if there is a chance you may be injured or fall ill later because of something that happened at work. Some injuries and illnesses take time to manifest, and these too are compensable under New Jersey workers’ compensation..
- Unless you fall under the protection of the Federal Employees’ Compensation Act (FECA), you must see a doctor paid for by your employer before seeing one of your choice. Visiting a doctor and obtaining the doctor’s report is essential not only to obtain treatment, but to help determine the scope of your injury or illness and the type and amount of workers’ comp benefits you are eligible for.
- You can prepare to file your workers’ comp claim by documenting the underlying incident while your memory is fresh and listing any possible witnesses. After you have reported the incident and received the doctor’s report, you may then file your workers’ compensation claim.
An experienced workers’ compensation attorney helps you complete all three of these steps accurately and effectively so that you get the maximum benefits. If you are searching for a workers’ comp lawyer in Audubon, NJ, contact Stan Gregory at 609-281-5100 for help.
Workers’ Compensation Benefits Available in Audubon, NJ
“Lost wages” is the term used to describe wages you are not earning while you are at home, recovering. In New Jersey, workers’ compensation scheme compensates you for lost wages from the time you are out of work until you return, up to 400 weeks or until a doctor clears you to return to work. The amount of your weekly lost wages payments will be 70% of your average weekly wage (AWW), not to exceed 75% of the Statewide Average Weekly Wage (SAWW) or fall below 20% of the SAWW.
Under New Jersey’s workers’ compensation scheme, medical expenses such as hospitalization, surgeries and other procedures, therapies, prescription drugs, and other medically-necessary costs you incur during your illness or injury and your subsequent recovery are compensable. The compensation window lasts from the time of injury till a doctor reports a full or maximum medical improvement (MMI).
Temporary Partial Disability Benefits
Some injured workers can perform “light duty” or perform the same work but for fewer hours while they recover. These workers may be eligible for Temporary Partial Disability benefits, which help to cover the difference between what they previously earned and earnings and what they earn during recovery. Temporary Partial Disability benefits are two-thirds of the difference.
Temporary Total Disability Benefits
Other injured workers are not able to work during recovery. Temporary Total Disability benefits help cover their lost income while they are at home and healing. These workers receive two-thirds of their regular income beginning as early as three days from being out of work. Payments stop when a doctor approves return to work or the worker gets the maximum of 400 weeks of payments.
Permanent Partial Disability Benefits
Some workers are permanently injured but still able to work. These workers may be eligible for Permanent Partial Disability benefits. The type and severity of illness or injury determine the amount of Permanent Partial Disability benefits. Permanent disabilities are either scheduled disabilities, such as visual or hearing impairments or the loss of fingers, toes, or limbs, or unscheduled disabilities such as heart, lung, or back issues. Either way, a permanent disability is compensable even when the worker returns to their regular duties.
Permanent Total Disability Benefits
If a worker can no longer perform their regular duties because of their workplace injury or illness, workers’ compensation pays them Permanent Total Disability benefits. It does not matter if the worker can perform some other job – if the worker cannot perform their previous duties, they are eligible for this benefit. Total blindness or the loss of both arms are examples of total disability.
The dependents of workers who die due to a job-related injury or illness may be eligible for workers’ compensation death benefits. The definition of “dependents” is much broader than say for the IRS or family law, and you may qualify even if you think you don’t. If someone close to you died due to a workplace incident, call Audubon workers’ compensation lawyer Stan Gregory to determine if you are eligible for death benefits.
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Workers’ Comp Lawyer Stan Gregory Represents Injured Workers Throughout NJ
Stan Gregory Also Represents Employees at the Following Companies
What Audubon Workers’ Compensation Covers
It is common for people to assume that workers’ compensation only covers one-time workplace accidents. In fact, in New Jersey workers’ compensation covers prolonged illnesses due to workplace exposure to something harmful, as well as repetitive strain and stress injuries.
If a worker gets exposed to a toxic substance and later gets cancer or another chronic or deadly illness as a result, that may be compensable under workers’ compensation. Worker’s compensation also covers injuries resulting from prolonged, repetitive stress caused by typing, standing, sitting, or heavy labor. Bask issues or CTS that develop over time also fall into this category.
Do you want to know if workers’ compensation covers your workplace injury or illness? Call Audubon workers’ compensation lawyer Stan Gregory at 609-281-5100 to find out. Your initial consultation is free of charge.
Common Questions about Workers’ Compensation in Audubon
Do Workers’ Comp Benefits Have a Limit in NJ?
Yes they do – 400 weeks, or until a doctor clears the worker to return to work, or until the doctor determines the worker has reached maximum medical improvement, at which time the benefits they receive get reassessed.
What Happens if a Claim Only Partially Pays?
You should fight it! Insurance companies frequently underpay valid workers’ comp claims with the hope you won’t fight back. Call Stan Gregory at 609-281-5100 to learn if you are being denied your full benefits and what you can do about it.
What Happens if My Employer Does Not Have Workers’ Comp Insurance?
First, you can file for benefits through the NJ state uninsured employer system. Second, you should know that New Jersey requires most employers to purchase workers’ comp insurance and that it is a class A misdemeanor for employers not to have it.
Can I Claim Both Disability and Workers’ Comp?
Under some circumstances, yes, you can claim both types of benefits. If you are unable to work due to your injury, disability may cover you. If that injury was a workplace injury, you may be entitled to workers’ compensation as well. Call Stan Gregory to ensure you are claiming all of the benefits you are eligible for.
Call Stan Gregory, Your Audubon Workers’ Comp Lawyer, to Discuss Your Case
You should be concerned with recovering from your workplace injury or illness, not with filing a claim or fighting the insurance company to get your claim paid. Contact Stan Gregory at 609-281-5100 for your free consultation.
It’s time you receive the compensation you deserve. We can help!