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workers' compensation Archives

Why more people aren’t filing for workers’ compensation benefits

Workers’ compensation insurance should provide a safety net for employees who are hurt on the job in New Jersey. After an injury, this system should cover medical costs and a portion of lost wages. According to the U.S. Department of Labor, of the injured workers who qualify for benefits, less than 40 percent apply. Those with job-related illnesses are even less likely to receive benefits; estimates of those who are not compensated for their illness go as high as 97 percent.

What does a workers’ comp insurance investigator want to know?

Your New Jersey employer is required by law to carry workers’ compensation insurance. Like any type of insurance, after a claim is made, the company investigates the circumstances that led to the injury. According to the FHM Insurance Company, an investigator uncovers the details of your workplace accident by asking some standard questions.

What is your workplace injury costing you?

Sustaining a serious injury while you are at your workplace in New Jersey leads to lost time on the job, lost wages and often a permanent loss of health. According to the U.S. Occupational Safety and Health Administration, workers’ compensation programs are designed to cover medical expenses, and if you miss work, a portion of your average earnings should also be covered. However, these benefits alone may not do much to alleviate the true cost of your injury.

What is the Second Injury Fund?

As you may have discovered when you started receiving workers’ compensation benefits in New Jersey, there is a limit on how long these payments will last. If you have suffered an injury that has made it impossible to work, you may be concerned about what you will do when your employer’s workers’ compensation insurance no longer has to pay.

What you post on social media could hurt your workers’ comp claim

For many people in New Jersey, social media sites like Facebook, Twitter and MySpace are part of their daily routine. These sites enable people to post photos and messages about their activities, but they can also be used to deny a workers’ compensation claim.

Returning to work after a workplace injury or illness

As part of a workers' compensation claim, it is common for workers to take a leave of absence from work as they recover from the illness or injury. According to the New Jersey Department of Labor and Workforce Development, in order to be eligible for temporary disability benefits under workers' compensation, the injury or illness must keep an individual out for at least seven days. This count need not be a consecutive number of days and includes holidays and weekends.

The facts about asbestos and asbestosis

Prior to recognizing the dangers of asbestos, it was commonly used in a wide variety of products. This is why many workers in New Jersey are still exposed to it on a regular basis, which might lead to health problems. According to the Occupational Safety and Health Administration, breathing in asbestos can lead to significant reduction in lung function, lung cancer, asbestosis and mesothelioma.

Protection from retaliation for a workers' compensation claim

When an employee is injured on the job, he or she is entitled to file a workers' compensation claim in New Jersey. The Workers' Compensation Statute in New Jersey details the law surrounding workers' compensation and includes a provision protecting workers from any retaliation by an employer, according to the New Jersey Department of Labor and Workforce Development. 

What do I do if my claim is denied?

Here at Parisi and Gerlanc, people often ask us about their rights after their workers' compensation claim is denied. Insurance companies find many reasons to deny a claim for benefits. There are typically two main categories for the denial: either your injury or illness is not work-related or it was due to inappropriate behavior that you allegedly engaged in.

Am I struggling with PTSD?

Like other people in New Jersey, you expect your work environment to be a safe one. However, as numerous news stories can testify, workplaces can become the scene of violence – sometimes at the hands of total strangers and other times at the hands of a co-worker. If you have witnessed a traumatic event, you may be struggling with post-traumatic stress disorder.