According to the Bureau of Labor Statistics, over 5,000 workers die on the job every year, leaving their survivors to carry on without them. When your spouse dies on the job you, the surviving spouse, may be entitled to a workers compensation death benefit. As with workers compensation for surviving injured and disabled workers, the death benefit system exists in New Jersey to provide for families while protecting employers from the possibility of a personal injury lawsuit. This means you may get some money to support your family while you adjust to the loss of your loved one. Who is eligible for death benefits? In general, you may only claim a death benefit if you are the surviving, actively married spouse of a worker who died on the job, or a dependant child who lived in the worker’s household at the time of death. Surviving children may also qualify as
Read MoreIn some accident and injury cases it is necessary to prove the other party was negligent before you can recover any form of compensation. This is not the case in a New Jersey workers compensation case. Instead, it is only necessary to prove that the injury or illness arose as a result of your activities and presence in the workplace. This is part of the bargain that was made between New Jersey workers and employers when the workers compensation system first came into existence. Workers would lose the right to sue employers for negligence and employers would pay for injuries and illnesses sustained at work regardless of whether or not the employee played a role in causing those injuries. As always when the law is involved, there are of course both complications and exceptions that you should be aware of. Exception #1 – You Were in Violation of Certain Policies
Read MoreA Section 20 is one of two types of settlements that may be awarded in a New Jersey worker’s compensation case. The other type is called a Section 22. Here’s what you need to know about both types of settlement. Section 22 Settlements A Section 22 settlement is a settlement wherein the employer pays for a portion of your disability. The percentage would be a percentage of what would be paid out for a body part over time, i.e., 30% of the knee, with amounts set by the New Jersey body part schedule. In a Section 22 settlement the employer does admit that the injury to that body part happened on the job. A Section 22 does allow for the modification of claims as necessary Section 20 Settlements A Section 20 is a one-time lump sum payment and is considered a full and final dismissal of the claim. You accept
Read MoreA “reopener” is an informal term for a modification of a workers compensation claim. Either party can request a modification after a workers compensation claim settles. No party has an unlimited right to reopen a workers compensation claim. The modification may only be requested up to two years after the last time compensation was paid, or from the date of an awarded Judgement. When may an employee reopen a workers compensation claim? An employee may reopen a workers compensation claim when one of the following is true: They need additional treatment for the same work-related injury. They have lost additional time as a result of the same work-related injury. They need an increase to the amount of permanent partial disability that they’re receiving. In other words, somewhere along the way your condition got worse. This can happen even if you’ve reached maximum minimal improvement (MMI) as MMI is a measure
Read MoreYour doctor has restricted you to limited work hours, or has given you specific work restrictions which indicate how much lifting, walking, or other actions you may take on the job. In many cases an employer will offer you “light duty” work while you continue to recover. In most cases you have no choice but to accept a light duty post. Yet that does not mean you do not have rights when you go on light duty. Here’s what you need to know. #1) You may be entitled to vocational training. If an employer tries to assign you to a light duty role that you are not qualified for you may have to take it, but your employer may also be obligated to train you for it so that you can do the job. The employer can not put you into a job you have no idea how to do
Read MoreDon’t feel like you can trust your employer’s chosen doctor or the workers compensation insurance company doctor? You’re smart to suspect there’s a conflict of interest. Yet New Jersey Law gives employers and insurance companies the right to choose the doctor who will evaluate you and offer medical treatment, if any. If you go to your own doctor while the workers compensation claim is still open, then the medical bills will become your responsibility. However, there is a moment in a workers compensation case where going to your own doctor will be both appropriate and necessary. In the event the insurance company denies your claim, you now have the option to go to the doctor on your own. Going to Your Own Doctor After a Denied Claim To make sure that doing so will strengthen your case rather than weakening it, you’re going to need to inform your employer and
Read MoreFor the majority of the population, the idea that you may be surveilled at any point in your life sounds ludicrous. That’s the kind of thing that typically happens to spies and movie heroes, not to everyday people. Yet if you’re involved in a workers compensation case, surveillance is a likely outcome. It’s important to understand this, and to account for it. When is surveillance likely to start? It could start at any point during your case, but the time when it most often happens is when you’ve reached maximum medical improvement and have been given a set of permanent restrictions by your doctor. This is especially true if you haven’t been able to go back on the job because they don’t have light duty available for you. In many workers compensation cases this is the point where the case is about to be settled, and it becomes the point
Read MoreAt some point, many people who end up with an NJ Workers Compensation claim will end up having to make a decision about whether or not to settle that claim. When you settle, a number of things can happen. Sometimes the insurance company will send money directly to your medical providers while sending your lost wages directly to you in a lump sum. Sometimes all the money will come to you in a lump sum and you will be responsible for reimbursing your medical provider. Sometimes you’ll end up with a structured payment plan. Either way, you’re agreeing to a specific amount, and once that amount is paid, that’s it. The workers compensation insurance company no longer owes you any money. Yet receiving a settlement can often be a better option than constantly fighting to keep the workers compensation benefits flowing, or fighting to get the company to agree to
Read MoreOne reason that people get hurt on the jobs is because employers fail to follow appropriate health and safety standards. Some employers will do anything to keep violations from getting reported, including intimidating employees or claiming they can’t get workers compensation benefits if they report the violation. Yet the law is very clear. Employers may not retaliate against you for reporting an OSHA violation, nor may they deny your workers compensation claim. This doesn’t mean that they won’t try, but it’s not legal and it could open them up to sanctions by the court. Of course, if you are going to find yourself in the position of having to report an OSHA violation on top of everything else you might want to retain an attorney so you can protect yourself as you do so. Filing an OSHA violation won’t render you ineligible for benefits either. There is no link between
Read MoreEmployer-sponsored events are a pervasive part of corporate culture. Employers either ask or strongly encourage their employees to participate in various events. Such was the case in a recent New Jersey case recently decided by the State Supreme Court. Here are are the facts of the case: “On September 23., 2017 [Jersey Friendship House] hosted a ‘Family Fun Day’ event for clients and families, and asked employees if they would volunteer. Mrs. Goulding offered to cook, and while she was preparing to grill she stepped into a small pothole on the grounds and fell, injuring her right foot and ankle. She applied for workers compensation, which was denied by a workers comp judge.” –Business Insurance. The judge in the case used the standard that volunteering for the company did not produce a “benefit to the employer” beyond boosting employee health and morale. The Supreme Court disagreed. Thus, yes, in some
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