Skilled Workers’ Comp Attorneys in Monmouth, Ocean & Middlesex Counties Help Injured Employees in the Bayshore Area Get Full Medical Benefits
Employees in New Jersey, regardless of where you work or the type of work you do, are legally entitled to file for Workers’ Compensation benefits if they get hurt on the job. Workers’ Comp benefits include medical treatment, replacement pay for any lost wages and, depending on the severity of your injury, a cash settlement.
In most cases, the law prohibits employees from suing their employer for injuries sustained in a workplace accident. In exchange, employers must provide Workers’ Comp insurance in case any employee is injured on the job. However, the law doesn’t dictate the quality of the medical treatment, or how easy the process of obtaining benefits will be. In fact, the process is often extremely frustrating and confusing; insurance companies aren’t easy to deal with and it’s not unusual for benefits to be denied.
If you or someone you know has been injured at work, you need a skilled, experienced NJ Workers’ Comp lawyer who will fight tirelessly to get you the medical treatment you need and deserve. Rest assured, Rudnick, Addonizio, Pappa & Casazza never backs down when it comes to dealing with Workers’ Comp insurance carriers. We will get you all the medical benefits you are legally entitled to receive.
In Workers’ Comp Cases, Workplace Accident Victims Pay No Upfront Legal Fees
You are entitled to file for Workers’ Compensation benefits when you have been hurt at work. Your employer’s insurance carrier will provide medical treatment. You will also receive “replacement pay,” commonly called disability payments, when you are out of work recovering from your injury.
Finally, when the doctors have determined you have reached the maximum level of medical improvement, you will be able to file claim for a cash settlement based on the extent of your long-term injuries. For this process, it’s very important to work with a lawyer who knows the ins and outs of Workers’ Compensation law.
At Rudnick, Addonizio, Pappa & Casazza, you will pay no upfront legal fees. In fact, you will pay no out of pocket fees at all. Fees are set by the judge and the vast majority of the 20 percent fee will be paid by the insurance company. Your portion of legal fees will come right out of your net settlement.
What are “Medical Benefits” under the New Jersey Workers’ Comp System?
If you are hurt at work, you are legally entitled to file for Workers’ Compensation benefits. These benefits – including medical treatment, replacement pay and a cash award, depending on the severity of your injuries – are provided through your employer’s Workers’ Compensation insurance policy.
The medical portion of your benefits covers all doctors’ visits, hospital-related fees, medications, rehabilitation, etc. The services are provided by the insurance carrier’s chosen Workers’ Comp doctor and all tests and other treatments must be approved by that physicians and the insurance company. You are not permitted to choose your own doctors when you file for Workers’ Compensation benefits. You are not allowed to go to a doctor and submit bills. The insurance carrier will send you to a specific doctor who will dictate your care – including when you are able to return to work.
Workers’ Compensation Covers the Following Medical Treatment
- Doctors’ visits and medication
- Hospital care, including visits to the emergency room, overnight stays, diagnostic testing such as CAT scans or MRIs, and surgeries
- Rehab or physical therapy, including durable medical equipment
In most cases, Workers’ Comp insurance will not cover experimental treatments or medicines. Additionally, if the Workers’ Compensation doctor believes you are complaining about older injuries that he or she doesn’t believe occurred during your recent workplace accident, that treatment will not be covered.
Why You Need a Good Workers’ Comp Lawyer to Fight for Medical Treatment
The law says that you may not, in most cases, sue your employer when you’ve been injured in a workplace accident. In exchange for that “indemnity,” NJ employers are legally required to provided Workers’ Comp insurance coverage for all workers in case they are hurt at work.
Loopholes: There are just as many insurance carriers as there are options for Workers’ Compensation plans. Rest assured, if there is a way the carrier can deny you coverage, they will find that loopholes or exception.
Denials: There are several reasons insurance companies deny benefits. They may believe you aren’t suffering as badly as you say your are or that your injuries didn’t occur on the worksite. It’s your word against theirs unless you have a skilled lawyer who will fight for your rights.
Desire to See a Specialized Physician: Outside of work, if you get hurt, you get to choose your doctor and agree upon the treatment. If you don’t agree with a doctor’s decision, you can go for a second or third opinion. This is not the case with Workers’ Comp claims. The insurance carrier chooses where you go for treatment and who treats you. If you want a second opinion, more tests or a varied procedure, you will likely get considerable resistance from the insurance carrier.
In all of these situations, and any others, we invite you to contact Rudnick, Addonizio, Pappa & Casazza for sound legal advice. Our team includes a New Jersey Supreme Court Certified attorney, three National Trial Lawyers and two of our attorney have been named to the list of New Jersey SuperLawyers. We pride ourselves on providing each and every client with personalized, quality legal representation. We represent clients in Hazlet, Middletown, Keansburg, Asbury Park, Freehold, Red Bank and Neptune and surrounding towns.
Speak to a Skilled NJ Workers’ Comp Lawyer Today about Your Denied Medical Benefits
At Rudnick, Addonizio, Pappa & Casazza, our lawyers will put more than 80 years of combined experienced to work for your family. If your employer or its insurance carrier is giving you the runaround when it comes to getting the medical treatment you need following a workplace accident, you call our Hazlet, NJ-based law offices.
We will handle your case with competence and care. We know you are relying on us to fight for your rights; rest assured, that is exactly what will do. We never back down to insurance companies. Contact us today for a free consultation about your workplace accident and injury. We represent injured workers in Asbury Park, Keansburg, Freehold, East Brunswick and Red Bank and surrounding New Jersey communities.
We understand that our clients rely on us for the sound advice and vigorous representation they require. You will have a strong advocate on your side At Rudnick, Addonizio, Pappa & Casazza PC.