How a Lumberton Workers’ Comp Attorney Can Help You
Are you out of work due to a workplace injury, illness, or disease? You may be entitled to workers’ compensation benefits to help pay for your medical expenses while you are out of work.
Stan Gregory is a workers’ compensation lawyer in Lumberton with over 20 years of experience handling workers’ compensation claims. From filing your initial claim to fighting claim denials, we will be with you through every step of the workers’ compensation process. We take workers’ compensation cases on contingency, so you will have no out-of-pocket expenses when you hire us.
While most employers must carry workers’ compensation insurance, insurance companies deny or underpay many legitimate cases. This is because they make money for their shareholders only when they deny workers’ compensation. At the Law Firm of Stan Gregory, we will help you fight against this conflict of interest.
Don’t risk having your worker’s compensation claim denied, delayed, or underpaid. Call our workers’ compensation lawyers in Lumberton today at 609-281-5100 for a free case evaluation.
What Should I Do If I’m Injured in a Workplace Accident?
When you’re injured during a workplace accident, you don’t have to prove that your employer was at fault or sue them in court to receive benefits. Workers’ compensation in NJ was created through state legislation to help injured workers get paid, preserve the employer-employee relationship, and prevent the courts from getting clogged with workplace injury disputes.
Most states have short deadlines for reporting an accident, so be sure to write a report to your supervisor even if you aren’t sure of the extent of your injuries. By filing immediately after your accident, you protect your workers’ compensation benefits in the event that you don’t show symptoms until weeks or months after the accident.
Federal workers may select any qualified doctor for treatment under the Federal Employees’ Compensation Act (FECA). However, if you’re injured at work and not covered by FECA, you must see a doctor paid for by your employer. You are only required to visit this doctor for 30 days before you can choose your own physician. The report made by your doctor(s) will have a significant impact on the benefits you receive.
At The Law Firm of Stan Gregory, our workers’ compensation lawyers in Lumberton can help you file your claim and get the workers’ compensation benefit you deserve.
Available NJ Workers’ Comp Benefits
Lost wages, which is a type of “temporary total disability workers’ compensation benefits,” is the compensation for missed paychecks from the time of the accident to when you return to work. Your lost wages will be calculated at 70% of your average weekly wage and are generally paid weekly. These benefits will not exceed 75% of the Statewide Average Weekly Wage (SAWW) and will not fall below the minimum rate of 20% of the SAWW.
Workers’ compensation will cover all the necessary medical treatment you need for your rehabilitation, such as hospitalization, procedures, therapies, and prescription drugs. Some treatments limit you to a specific number, such as physical therapy or chiropractic treatment. However, if your physician recommends that more treatment is needed for your recovery, additional treatment sessions may be covered.
The medical expenses covered by workers’ compensation will be paid immediately and continue for the duration of your claim.
Temporary Partial Disability Benefits
When you can work limited hours or duties following your injury but still need rehabilitation, workers’ compensation will still cover you. Temporary partial disability benefits will cover two-thirds of the difference between what you were getting paid before your injury and what you’re getting paid during your disability.
Temporary Total Disability Benefits
If you are unable to work following your injury, temporary total disability benefits cover your lost income. These benefits are two-thirds of your income, and you can only receive them after three to seven days of being out of work.
You can collect temporary total disability benefits until your doctor says you can go back to work, your doctor says that you can no longer improve, or you’ve reached 400 weeks of benefits.
Permanent Partial Disability Benefits
If you’ve sustained a permanent injury but can continue working in some capacity, you may receive permanent partial disability benefits through workers’ compensation. Permanent partial disabilities are considered either a scheduled or unscheduled loss. Scheduled losses are those found within the state’s workers’ compensation laws and typically deal with the extremities. Unscheduled losses are those that don’t appear in the workers’ compensation laws. These are usually more complicated to calculate, such as problems with the heart or lungs.
In NJ, you’ll receive benefits based on the level of your loss of function. For example, if your leg was amputated, you’ll receive more compensation than if you lost mobility in your leg.
Permanent Total Disability Benefits
If you suffered an injury and you can no longer work at your previous job or any job, you are entitled to permanent total disability benefits. This type of workers’ compensation is designed to cover serious permanent injuries such as the loss of limbs or complete blindness. Permanent total disability benefits are paid at the same rate as permanent partial disability benefits but continue for the duration of your life.
This type of workers’ compensation is a lump sum payment that goes to the deceased employee’s dependents as well as $3,500 for funeral expenses. Under workers’ compensation laws in NJ, the term “dependents” can be interpreted broadly. If you are unsure if you should be receiving workers’ compensation death benefits, call our workers’ compensation lawyer in Lumberton, Stan Gregory, at 609-281-5100.
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NJ Workers’ Comp Lawyer Stan Gregory Represents Injured Workers Throughout NJ
Accidents Covered by Workers’ Comp in Lumberton, NJ
Workers’ compensation in Lumberton, NJ covers many different types of accidents. These could include one-time accidents that result in blindness or the loss of a limb. However, there are two other broad categories of accidents covered by workers’ compensation: illness and repetitive injury.
Illness is considered a condition that results from an employee’s exposure at work. Some examples include black lung disease resulting from exposure to coal dust and asbestosis as a result of exposure to asbestos, heart diseases, high blood pressure, and lung cancer.
While workers’ compensation can cover injuries caused by a single event, it can also cover injuries caused by repetitive actions. Examples include carpal tunnel syndrome, tendonitis, and back pain.
For more information on whether your injury is covered by workers’ compensation in Lumberton, NJ, schedule a free consultation with Stan Gregory today.
Lumberton Workers’ Compensation FAQ
Does Workers’ Comp Have a Limit?
The simple answer is yes. Your employer’s insurance will cover the necessary medical bills, rehabilitation expenses, and lost wages that are necessary. However, some benefits, such as temporary total disability benefits, will stop after 400 weeks. Similarly, your therapy treatments will be paid for until you no longer need them for rehabilitation or are no longer making progress.
What Happens When My Claim is Only Partially Paid?
Workers’ compensation lawyer in Lumberton, NJ, Stan Gregory, can help you get the benefits you deserve.
What Happens if My Employer Does Not Have Workers’ Comp Insurance?
If your employer doesn’t have workers’ compensation, they are guilty of a class A misdemeanor. They will be liable in court for a penalty. However, as it is related to your workers’ compensation, you will need to file a personal injury claim against your employer.
Can I Get Both Disability and Workers’ Comp?
Yes, you can receive both workers’ comp and social security disability. To be eligible for disability, you need to prove that you can’t perform any jobs based on your age, experience, skill level, and limitations. If you sustained an injury at work that has left you unable to perform any jobs, you are also entitled to workers’ compensation benefits.
Call Stan Gregory, You Workers’ Compensation Lawyer in Lumberton, Today
Insurance companies make money when your workers’ compensation claim is denied, delayed, or underpaid. You don’t need a workers’ compensation lawyer to file a claim, but it can help you prevail over the insurance company’s legal teams who want your claim denied.
Don’t let the workers’ comp benefits you deserve be taken away. Call Stan Gregory at 609-281-5100. You can trust our workers’ compensation lawyer in Lumberton to handle your case.