If you drive a car, odds are you will be involved in an automobile accident at some point in your life. In fact, according to the Property Casualty Insurers of America, the average driver files an auto insurance claim once every 17.9 years, poor drivers file claims even more frequently. If you are preparing to file an injury claim it's important that you file in a timely manner and according to the guidelines outlined by your insurance policy. Failure to do so can result in a denial of your claim.
Filing an injury claim is to your benefit. Often, the injuries sustained in a car accident present long-term complications and discomfort down the road. By filing your claim now, you will be able to recoup medical expenses and may be entitled to a settlement that will help to cover any future medical needs, missed work or pain and suffering that alters your lifestyle in the long-term.
Tips on How to File an Injury Claim
Once your insurance carrier has all the information it needs, your agent will begin working to resolve your claim. If you are planning to file an injury claim for a recent automobile accident, you may want to contact a legal professional to ensure your rights are safeguarded.
Worker's Compensation in New Jersey is a comprehensive insurance plan required of any employers who are not already covered by a federal program. It is considered a "No Fault" coverage, designed to provide medical and income benefits to any employee who is injured on the job. The program is also designed to educate and empower employees to create a safe working environment for their employees.
If you suffer a work-related injury, Worker's Compensation in New Jersey will cover the bulk of the financial burdens that are associated with your medical care and temporary or long-term lost wages.
Here is a list of things covered by an active Worker's Compensation benefits:
Your Medical Care. All of your medical benefits including hospitalization, doctor visits, prescriptions, and reasonable treatments/rehabilitation will be covered by the employer's insurance carrier or directly by the employer in cases where they are self-insured. The employer has the right to designate preferred healthcare providers.
Temporary Benefits. If your injury causes you to lose more than seven days of work, you will be compensated at 70% of your weekly average, although this figure cannot exceed 75% of New Jersey's Statewide Average Weekly Wage (SAWW), nor can it fall below 20% of the SAWW.
Permanent Partial Benefits. If your injury prevents you from returning to your specific job, but you are able to work in some capacity, the benefits will be paid according to a specific rate, organized by "scheduled" and "non-scheduled" losses, like your hands, feet, eyes, back, neck, etc.
Permanent Total Benefits. If you are deemed unemployable due to the severity of your injuries, you will receive benefits for 450 weeks, at which point you will need to be re-assessed by a designated healthcare provider.
Have questions about Worker's Compensation in New Jersey? Contact us at Stern & Stern.
The actions you take after suffering an injury at work have long-term effects. It's often the difference between whether or not you qualify for Worker's Compensation, paid leave, disability and other compensation. Taking a proactive approach can protect you and your co-workers from future work-related injuries.
Have you recently suffered an injury at work? Here's what to do:
Notify your employer. It's imperative that you notify your employer ASAP if you're injured on the job or experience any symptoms that potentially linked to a work-related injury. Too often, employees are afraid to mention their back, neck, wrist, etc., pain to employers and this prevents the company from being able to provide the assistance they would be able to otherwise, or can allow the employer to fight a potential claim. Fill out an accident report and submit it in the presence of a witness if possible.
Seek medical treatment. In most cases your employer will send you to their preferred healthcare provider in order to asses the situation. If not, you may seek medical assistance on your own. Make sure you let the doctor know you suffered the injury at work. Be as detailed as possible with your symptoms and the activities that led to them.
Workers' Compensation Consultation. Contact Stern & Stern Law, who concentrate in Workers' Compensation claims and schedule a free consultation. The hope is that you will never need to use their services but, in the event that your employer fights your claim, it's important to have the details of your injury noted by professionals in an organized and meticulous manner before they grow fuzzy with time.
By adhering to the above steps, you will have the benefit of free medical treatment, temporary disability if needed and the security that your Workers' Comp claim will be handled expediently.
Work-related injuries are often a sign that working conditions aren't safe, employers lack an adequate Injury and Illness Prevention Program or that you're using unsafe work practices that can be corrected to prevent further injury. Your personal well-being is the first priority.
Getting Hurt on the Job: A Step-by-Step Plan of Action
The following instructions can help you take care of yourself and will help your employer get a better idea of what happened so future injuries can be prevented.
Paying attention, seeking medical attention and consistently documenting symptoms are important steps to prevent getting hurt on the job in the future. Contact Stern & Stern Law for assistance with your documentation.
If you have been injured on the job, or have suffered a cumulative job-related injury such as carpal tunnel syndrome or a herniated disk, you're eligible for worker's compensation. Worker's compensation insurance will pay for all expenses related to medical treatment.
Steps for Filing for Worker's Compensation in New Jersey
In order to get these benefits, you must follow New Jersey's guidelines for filing your claim.
To streamline your claims process, you may want to consult with a legal professional in New Jersey, such as Stern & Stern Law.
It can happen for any number of reasons: at some point in your career you may find yourself getting a pink slip from an employer. It's never a pleasant experience and there are times when your termination may not be justified. If you find yourself wondering what to do about a wrongful termination, and what exactly qualifies as wrongful termination under the law, the following tips will help guide you in the right direction.
Losing a job is an experience that can create considerable stress and strain. If you are wondering what to do about wrongful termination, contact us and we will be happy to review your claim and suggest the appropriate course of action to pursue. Contact Stern & Stern to learn more about wrongful termination today.
Nobody wants to be involved in car accident, but odds are they will be. Parties involved in car accidents are often shaken, nervous or emotional, which can impede their abilities to take the proper steps.
3 Steps to Take After You've Been in a Car Accident
If you can remember these three steps in the moments following an accident, it will help to get everyone the proper medical attention they need and assist your insurance agent when it's time to file your claim
At Stern & Stern LLP we handle personal injury claims for auto accidents, motorcycle accidents, bus accidents, truck accidents, highway accidents, pedestrian, accidents, and railroad accidents. Don't risk mishandling your claim! Take these steps if you've been in an accident and then contact us at Stern & Stern LLP to begin filing a personal injury claim.