Workers' Compensation Benefits & Settlements in NJ
If you've been injured on the job in New Jersey, you may be entitled to a range of benefits under the workers' compensation system-including medical care, wage replacement, and compensation for permanent injuries. But the reality is, insurance companies don't always explain your full rights-or offer a fair payout.
At the Law Offices of Gregg A. Williams, we help injured workers understand their options and maximize their workers' comp benefits and settlements in NJ. Whether you're just starting your claim or negotiating a lump sum settlement, we'll guide you every step of the way.
Medical Benefits
Workers' comp in New Jersey covers all necessary medical treatment for your workplace injury, with no out-of-pocket cost to you-no co-pays, deductibles, or balance billing.
Covered care includes:
- Hospital and ER visits
- Surgery, rehab, and physical therapy
- Prescriptions and medical devices
- Diagnostic tests like MRIs or X-rays
However, you must treat with an authorized doctor chosen by your employer or their insurance company. If you see your own provider without approval, those bills may not be covered. Learn how to properly file a claim here.
Permanent Disability Benefits
If your injury leaves a lasting impact, you may qualify for Permanent Partial Disability (PPD) or Permanent Total Disability (PTD) benefits. These are based on the extent and type of your impairment.
- PPD: Paid weekly based on a percentage of disability assigned to a specific body part (e.g. hand, leg, back).
- PTD: Available if you're completely unable to work again due to your injuries. Benefits may be paid for life.
While these benefits are standardized, disability ratings can be disputed-and insurance companies may try to downplay the seriousness of your condition. That's where we step in.
Wage Loss Benefits (Temporary Disability)
If your injury forces you out of work for more than 7 days, you're eligible for Temporary Total Disability (TTD) benefits. In New Jersey, that typically means:
70% of your average weekly wage (subject to a maximum limit)
Paid until you return to work or reach "maximum medical improvement" (MMI)
May continue up to 400 weeks in some cases
This income replacement helps you stay afloat while you recover-but if benefits are delayed or stop prematurely, you may need legal help. See what to do if your claim is denied.
Workers' Comp Settlements
In many cases, you and the insurance company may reach a settlement agreement to resolve your claim. In NJ, there are two types:
Section 20 Settlement: A lump sum, full and final settlement-used when there's a dispute about the claim. Once paid, the case is closed permanently (no future medical bills covered).
Section 22 Award: A structured settlement-ongoing weekly payments for your disability percentage. Medical treatment may remain open.
Both options have pros and cons, and choosing the right one depends on your goals, injury severity, and long-term prognosis. We'll help you weigh your choices.
Death Benefits
If a workplace accident results in death, surviving dependents may receive:
- Weekly death benefits (based on the deceased's wages)
- Up to $3,500 for funeral expenses
If the death was caused by a third party (like a subcontractor or equipment defect), your family may also have a wrongful death claim.
Maximizing Your Benefits
You only get one chance to get this right. Without legal guidance, injured workers often:
- Accept low disability ratings
- Miss out on ongoing wage or medical benefits
- Agree to settlements that undervalue future care
Our attorneys make sure every dollar you're owed is pursued-and that your long-term health isn't jeopardized by a quick payout.
Free Consultation - Get Every Benefit You Deserve
If you're worried that your workers' comp benefits have stopped, been reduced, or weren't properly explained-call us before signing anything. We'll review your case for free, explain your rights, and fight for the compensation you deserve.
You don't pay unless we recover for you. Hablamos Español.
