Workers compensation doctor NJ is chosen by the insurance provider or the employer. The injured employee is entitled to certain benefits from workers compensation insurance, regardless of who was at fault for the accident. However, the employee should have been injured at the place of work or while carrying out the tasks assigned by the employer.
Benefits of Workers Compensation Insurance
Workers compensation insurance provides various benefits to injured employees, which includes:
- Consultation or visits from workers compensation doctor NJ
- Hospital stay
- Disability benefits for compensating income lost during disabled period
- Permanent disability benefits that are documented
Claiming Workers Compensation Insurance Benefits
After completing the required process, the insurance carrier of the employer can provide the benefits. However, if the carrier refuses, the employee can file a case in workers compensation court seeking relief. Once relief is granted, the benefits will be given to the employee until workers compensation doctor NJ, clears the employee for resuming work, or until the employee has recovered to the maximum possible extent.
An employee may be denied workers compensation benefits initially, if there is a dispute about the illness or injury being work related. Even if the benefits are given, there can be disputes regarding payment of disability benefits or about the type of medical care provided. If workers compensation doctor NJ is not provided to the injured worker due to entitlement issues, the employee can approach New Jersey Division of Worker’s Compensation, which is an impartial forum that acts like a mediator, and can even make a judicial decision about eligibility of the employee to claim workers compensation benefits.
The insurance company, employer, or the employee can also request for an informal hearing that is presided over by a judge, for sorting our issues about extent of disability, and medical and temporary benefits. It is always better to hire a personal injury or workers compensation lawyer who is aware of this claims process.
Eligibility for Temporary Disability Benefits
According to workers compensation laws in New Jersey, the injured employee should not be able to work for at least seven days, to be eligible to claim temporary disability benefits. The injury or illness will be checked or diagnosed by the workers compensation doctor NJ, and the benefits will be retroactive from date of injury or onset of illness. Additionally, the days, the employee has missed work due to the injury or illness need not be consecutive.