NJ Workers Comp Benefits—Understand Your Rights, Get Full Care
Unsure If You’re Getting All the Workers’ Comp Benefits You Deserve?
If you’ve been hurt on the job in New Jersey, you’re entitled to more than just a paycheck while you recover. Many workers don’t realize the full scope of benefits available or how easy it is for insurance companies to delay or deny the care and payments they need. The Law Office of Albert J. Talone, LLC walks you through every benefit, fights for proper approvals, and steps in immediately if you’re ever cut off or your treatments are denied. With over 20 years handling these cases, we make sure nothing is left on the table.
Complete List of NJ Workers’ Comp Benefits
Medical Treatment
All reasonable and necessary care related to your work injury is covered—including doctor visits, surgery, hospital stays, physical therapy, diagnostic tests, and durable medical equipment.
Workers compensation medical coverage NJ means you should never have to pay out-of-pocket for authorized care.
Temporary Disability Benefits
If you’re unable to work for more than seven days, you receive about 70% of your average weekly wage (up to a state cap) until you return to work or reach maximum medical improvement.
Temporary disability benefits New Jersey help you keep bills paid while you heal.
Permanent Disability Awards
If your injury leaves a lasting impairment, you may receive scheduled benefits for permanent partial disability (PPD) or ongoing payments for total disability.
Permanent disability benefits are calculated based on medical ratings and lost function, often resulting in lump sums or lifetime payments.
Prescription Drugs & Medical Travel Reimbursement
Your medications should be fully covered by the insurance company.
Mileage and prescription reimbursement NJ means you can claim travel costs to appointments and for any prescriptions related to your injury.
Death Benefits
If a work injury results in death, dependents may receive weekly payments and funeral expenses under New Jersey law.
Issues That Can Cost You Benefits or Medical Care
Not asking for mileage or prescription reimbursement, missing out on payments you’re entitled to.
Letting insurance pick a doctor who rushes you back to work before you’re truly healed.
Failing to appeal if treatments are denied—MRIs, surgery, or therapy often require legal intervention to get approved.
Not understanding the difference between temporary and permanent benefits, or when each applies.
Believing a benefits cutoff is final—many terminations or denials can be reversed if challenged properly.
How Medical Care Works Under NJ Workers’ Comp
- Authorized Workers’ Comp Doctors:
Your employer or their insurance company chooses your treating doctor. You can’t pick your own unless it’s an emergency or care is refused. - Your Right to Adequate Treatment:
If the provided doctor won’t refer you to a specialist or denies care, you can challenge the decision—The Law Office Of Albert J. Talone can file a motion in workers’ comp court to force approvals. - Second Opinions and Emergencies:
In a medical emergency, you can go to any ER and the bill should be covered. If care is poor, you have the right to request a new doctor or further review. - Benefit Rates and Duration:
Temporary disability benefits usually last until you reach maximum medical improvement, then permanent disability may apply. Each case is unique—The Law Office Of Albert J. Talone reviews your pay history, medical progress, and fights to keep benefits going as long as medically necessary.
Not Sure You’re Receiving All Available Benefits?
The next step is having a workers’ comp attorney review your case and benefits package. The Law Office Of Albert J. Talone finds missing payments, ensures every treatment is approved, and steps in if your benefits are ever threatened.
What Happens When You Call The Law Office Of Albert J. Talone
We’ll review your claim paperwork and medical records, clarify what benefits you should be getting, and explain any gaps or missing payments. If a treatment or wage check is denied, we act quickly—filing motions in court to restore benefits or get needed care approved. Throughout your case, you’ll get clear updates and real answers, with no legal jargon or surprises. Most clients say we make a complex process easy to understand.
Your Questions, Answered Clearly
What benefits do you get on workers’ comp in NJ?
You’re entitled to full medical treatment, temporary disability payments (about 70% of wages), permanent disability awards if you have lasting impairment, and reimbursement for travel and prescriptions.
Can I choose my own doctor for a work injury in NJ?
Generally, no. Your employer or their insurer selects your treating doctor, except for emergencies or if they refuse care.
How long do temporary workers’ comp benefits last?
Until you’re medically cleared to return to work or reach maximum medical improvement. If you remain impaired, permanent disability benefits may start.
What if my treatment is denied by insurance?
Contact The Law Office Of Albert J. Talone—we routinely bring motions in workers’ comp court to force approval of necessary procedures, therapies, or tests.
What if my benefits are suddenly stopped or my check is too low?
Don’t accept it as final. Many payment errors and cutoffs can be challenged—legal action often gets benefits reinstated or corrected.
Make Sure You Get Every Dollar and Treatment You’re Owed
Don’t leave benefits on the table or accept denied care as the last word. The Law Office Of Albert J. Talone helps injured workers in Moorestown, Cherry Hill, Camden, Mount Laurel, Willingboro, and all of New Jersey secure the complete package of medical and financial benefits the law provides.
