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What types of workers' compensation benefits are available?

When a New Jersey resident gets hurt at work, he or she is probably going to do a lot of worrying. This is undoubtedly because of the severe financial strain that any injury places upon a worker. When a worker is injured while on the job, though, there is an added layer of confusion with regard to workers' compensation. How does it work? What are the requirements? What types of benefits fit the situation?

When it comes to the different types of benefits, navigating the various scenarios can be quite the task for an injured worker. One of the main categories of workers' compensation benefits are medical benefits, which the injured party receives to pay for medical bills that stem directly from the on-the-job accident or workplace injury.

In addition to help with medical bills, injured workers can also receive benefits that help take the place of the injured party's wages, which they may be missing out on due to the injury-related absence from work. Temporary total benefits help those who are injured for more than seven days, and generally pay about 70 percent of the worker's average weekly pay rate. For those who have suffered permanent injuries, they may be able to receive permanent partial benefits after their temporary disability period concludes.

For more severe situations, workers may receive permanent total benefits if they have suffered injuries that prevent them from ever going back to any sort of gainful employment. These benefits are also based upon 70 percent of the injured person's average weekly wage. Finally, for extremely unfortunate situations where a worker dies as the result of a workplace injury or accident, his or her family may receive death benefits as well as help with funeral expenses.

Source: NJ Department of Labor and Workforce Development, "An Employer's Guide to Workers' Compensation," accessed Aug. 15, 2016

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