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Understanding New Jersey Workers’ Compensation Laws- Part 2

Understanding New Jersey Workers’ Compensation Laws- Part 2Understanding New Jersey Workers’ Compensation Laws- Part 2

In the first part of this blog post, we talked about how there are differences in Workers ’ Compensation laws are depending on the state in which a business is located. New Jersey Workers’ Compensation laws will vary from other states in the area.*

One of the New Jersey Workers’ Compensation factors that will be different in other states is how medical benefits are determined. In the event of a New Jersey Workers’ Compensation claim, if your client turns down providing medical treatment, the employee is allowed under state law to choose their medical provider. In an emergency scenario, the employee may receive treatment at any emergency care facility or the emergency room of a hospital without their employers’ approval.

Another factor that’s different about New Jersey Workers’ Compensation laws is how disability benefits are dealt with. For example, when it comes to temporary total disability benefits, these are calculated as 70% of the employees’ average weekly wage, not to go beyond the statutory maximum rate or to drop beneath the statutory minimum rate. These rates and this percentage will be different in other states.

Employees in New Jersey are paid permanent partial disability benefits for any permanent loss of body function that is the result of an on-the-job injury. The state of New Jersey utilizes a Schedule of Disabilities when it comes to injuries for arms, legs, hands, feet, fingers, toes, vision, and hearing, however injuries to the back, heart, and lungs are not scheduled, in which case an employee would receive temporary total disability benefits up to 600 weeks or until they are able to go back to their job.

This is just a brief explanation of how New Jersey Workers’ Compensation differs from other states. To learn more about how New Jersey Workers’ Compensation Laws, please contact the Associated Specialty Insurance Agency, Inc. (ASIA) at (866) 679-7457. Insurance agents and brokers with access to competitive markets have the opportunity to leverage an improving economy set to spur the workers compensation industry with an increase in jobs and payroll exposure, all while capitalizing on the ability to secure coverage for their clients in various industries.

*It’s imperative to remember that all state laws vary and that employers should always consult with their insurance brokers, attorney, or qualified professional before making a decision regarding their Workers’ Compensation coverage. 

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