Passaic Worker's Compensation Attorney
Worker's Compensation Attorney in Passaic County
If a workplace incident has injured you or made you sick, you may worry about medical bills or lost wages. Fortunately, workers’ compensation insurance protects most employees. However, navigating the claims process can be challenging.
At Passaic Injury Pros, our skilled workers’ compensation attorneys are here to help with your claim. With our assistance, you can secure the benefits you deserve.
What is Nj workers' compensation
New Jersey requires Workers’ Compensation insurance to help employees who get hurt or sick on the job. It covers medical bills, lost wages, pain and suffering, and other related costs.
Workers’ comp ensures injured workers get the support they need while recovering and helps protect employers from lawsuits. New Jersey covers most employees, regardless of the employer’s number of workers. It is essential to remember the following:
● You have the right to claim benefits for workplace injuries or illnesses.
● Filing a claim helps cover medical expenses and lost wages during recovery.
● Consulting a knowledgeable workers’ compensation attorney can help you navigate challenges in the process.
(To learn more about your rights and responsibilities, visit New Jersey’s
Department of Labor website.)
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Is workers’ compensation taxable?
Workers’ compensation, often called “workers’ comp,” offers financial benefits to injured or ill employees, covering medical expenses, lost wages, and rehabilitation costs. A key question is: are workers’ compensation benefits taxable?
Non-Taxable Nature of Workers' Compensation
Workers’ compensation benefits are usually not taxed by the federal government or the state. This means injured workers can keep the full benefits, helping them cover lost wages while they heal. It also reduces financial stress, so they can focus on recovery without worrying about paying taxes on that money.
In New Jersey, TTD benefits support you if a work injury or illness stops you from working. They usually cover 70% of your average weekly pay , up to a state limit. TTD benefits replace lost wages while you recover, giving you financial support during your time off.
Exceptions to the Rule
1. Social Security Concurrent Benefits: Social Security Concurrent Benefits combine SSDI , SSI , and workers’ comp . If your total benefits go over 80% of your regular pay, the IRS may tax some of your workers’ comp. Understand how your benefits work together to avoid surprises, and consult an expert to maximize your benefits.
Workers' Compensation Rules in New Jersey
Workers’ compensation in New Jersey provides essential financial and healthcare support for injured or ill workers. New Jersey’s workers’ compensation system has a straightforward process for managing workplace injuries and protecting workers. Here are the main points:
Eligibility
In New Jersey, workers’ compensation covers nearly all workers, regardless of the business size. This coverage includes full-time, part-time, and seasonal workers but may exclude certain independent contractors.
NJ Workers' Compensation Benefits
Navigating workers’ compensation can be challenging, but understanding your rights and benefits is key. In New Jersey, the workers’ compensation system offers essential support for work-related injuries or illnesses. Here is a comprehensive guide to the benefits you may be eligible to receive.
Medical Benefits
New Jersey workers’ compensation covers medical treatment for work-related injuries or illnesses, including doctor visits, hospital services, surgeries, medications, and rehab. Your employer or insurance carrier must authorize the doctor providing your treatment to cover it.
1. Temporary Total Disability Benefits
In New Jersey, TTD benefits support you if a work injury or illness stops you from working. They usually cover 70% of your average weekly pay , up to a state limit. TTD benefits replace lost wages while you recover, giving you financial support during your time off.
2. Permanent Partial Disability Benefits
If a work injury causes lasting damage but can still work, you may get Permanent Partial Disability (PPD) benefits. The type of disability, its severity, and the injured body part determine the amount and length of your pay. New Jersey decides this based on a set schedule.
3. Permanent Total Disability Benefits
If a work injury or illness stops you from working, you may get PTD benefits covering 70% of your weekly pay. These benefits last up to 450 weeks and may continue if total disability persists.
4. Death Benefits Benefits
If a worker dies from a job-related injury, New Jersey workers’ comp provides benefits to their dependents. These include 70% of the worker’s weekly pay and help with funeral costs, based on state rules.
What are Workers Compensation Class Codes?
Workers’ comp class codes are numbers insurance companies use to group businesses by how risky their work is. The codes reflect the type of work a business engages in and its employees’ tasks. They help determine how much a company has to pay for workers’ compensation insurance.
How Do Workers' Comp Codes Work?
The NCCI or other state groups typically create the numbered codes. The codes cover a vast array of industries and roles, ranging from office work to construction. For example, office work is safer, but roofing is riskier because working on roofs is more dangerous.
Importance of Accurate Classification
Common Examples of Class Codes
Here’s an overview of common workers compensation class codes used by the NCCI:
● Class Code 8810: For administrative office staff engaged in paperwork, data entry, and scheduling tasks.
● Class Code 5403: For Carpenters in construction who will face increased risks in their profession.
● Class Code 8742: Salespeople who travel a lot are classified this way because frequent travel comes with different risks.
● Class Code 8814: For healthcare providers delivering medical assistance to patients in their homes.
● Class Code 9014: Focuses on businesses in the food service industry, encompassing fast-food workers and kitchen personnel.
When to Get a Workers’ Compensation Attorney
Sometimes, you may not need a lawyer if your claim is approved, your employer accepts your injury, and benefits are given. However, the claims process can be complex, and dealing with the aftermath of a workplace accident is often overwhelming. Understanding which advice to follow and how to protect your rights can be difficult.
A workers’ compensation attorney may be necessary in the following situations:
● Your injury is severe and prevents you from working for an extended period.
● Your employer or insurance provider has denied or delayed your workers’ compensation claim.
● Your workplace injury has worsened a preexisting condition.
● The insurance provider may ask you to go to an independent medical exam (IME), and you must attend.
● You wish to file a claim against a third party responsible for your injury.
At Passaic Injury Pros, our legal team specializes in workers’ compensation claims. We can review your case, explain your rights as an employee, and assist you in returning to work and with the claims process. Let us guide you through the necessary steps if you need help with your workers’ compensation claim.
ParraKlein: NJ’s Top Workers’ Compensation Lawyers
If your workers’ comp claim was denied, Brian Klein and Arlene Parra are ready to fight for the benefits you deserve.
Brian Klein has years of experience and a strong record of success. Brian has recovered millions in compensation for injured workers. His strategic approach helps clients navigate complex workers’ compensation claims. Arlene Parra is a nationally recognized attorney. She was named to the Top 40 Under 40—Civil Plaintiffs (2024) and among the Top Attorneys in America (2023). Her results-driven, client-focused advocacy makes her a standout in work injury law.
Recovering from a work injury is tough — we’re here to help. Call (973) 330-8281, email, or chat for a FREE case evaluation. Our team will respond promptly.