Guide to Calculating Your Workers’ Compensation Benefits in New Jersey

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Workers’ compensation benefits are crucial for employees who suffer injuries or illnesses due to their job. In New Jersey, understanding how to calculate these benefits ensures that you receive the full amount you’re entitled to, providing financial stability during recovery. This guide by The Epstein Law Firm will walk you through the essential steps to accurately calculate your workers’ compensation benefits, helping you navigate the complexities of the system with confidence.

Eligibility Criteria for Workers’ Compensation in New Jersey

Before diving into the calculation process, it’s important to determine if you are eligible for workers’ compensation benefits in New Jersey. To qualify, you must meet the following criteria:

Employment Status: You must be an employee, as independent contractors are generally not covered.

Work-Related Injury or Illness: The injury or illness must be directly related to your job duties.

Reporting: You must report the injury or illness to your employer within a specific timeframe, typically within 90 days.

Medical Treatment: You must seek medical treatment from an authorized provider as per your employer’s insurance policy.

If you meet these criteria, you are eligible to receive workers’ compensation benefits. Now, let’s move on to the calculation process.

Steps to Calculate Your Workers’ Compensation Benefits

Calculating your workers’ compensation benefits involves several steps. Here’s a detailed breakdown to help you understand the process:

Determine Your Average Weekly Wage (AWW)

Your AWW is the basis for calculating your benefits. It typically includes your regular wages, overtime, bonuses, and other earnings.

To calculate your AWW, sum up your total earnings over the past 52 weeks and divide by 52. If you haven’t worked for 52 weeks, use the number of weeks you have worked.

Temporary Total Disability Benefits (TTD)

TTD benefits are provided if you are temporarily unable to work due to your injury.

In New Jersey, TTD benefits are calculated at 70% of your AWW.

For example, if your AWW is $1,000, your TTD benefit would be $700 per week.

There are minimum and maximum limits for TTD benefits, which are updated annually.

Permanent Partial Disability Benefits (PPD)

PPD benefits apply if your injury results in a permanent partial disability.

The amount depends on the severity of your disability and the body part affected.

New Jersey uses a schedule of disabilities to determine the number of weeks of benefits.

For instance, if you have a 10% loss of use of your hand, you might be entitled to 24 weeks of benefits at a certain rate.

Permanent Total Disability Benefits (PTD)

PTD benefits are for injuries that result in a complete inability to work permanently.

PTD benefits are calculated at the same rate as TTD benefits (70% of AWW).

These benefits are typically paid for life, subject to periodic reviews.

Death Benefits

If a work-related injury results in death, dependents may be entitled to death benefits.

These benefits are calculated at 70% of the deceased worker’s AWW, up to the state maximum.

Dependents may also receive compensation for funeral expenses.

By following these steps, you can estimate the amount of workers’ compensation benefits you are entitled to receive.

Common Mistakes to Avoid When Calculating Benefits

When calculating your workers’ compensation benefits, it’s easy to make mistakes that could reduce the amount you receive. Here are some common errors to watch out for:

Incorrectly Calculating AWW

Ensure you include all forms of earnings and use the correct period for calculation.

Failing to Report Income Changes

If your income changes significantly during the calculation period, report it to avoid inaccuracies.

Not Accounting for Maximum and Minimum Limits

Be aware of the state’s limits on TTD and PTD benefits to ensure you receive the correct amount.

Ignoring Schedule of Disabilities

For PPD benefits, use the correct schedule of disabilities to determine the number of weeks of benefits.

Overlooking Dependent Benefits

If you have dependents, ensure they are included in the calculation for death benefits.

Avoiding these mistakes can help ensure you receive the maximum benefits you are entitled to.

How The Epstein Law Firm Can Help You Maximize Your Workers’ Compensation

Navigating the workers’ compensation system can be complex and overwhelming. The Epstein Law Firm is here to help you every step of the way. Here’s how we can assist you:

Expert Legal Advice

Our experienced attorneys can provide you with expert legal advice tailored to your specific situation.

Accurate Benefit Calculation

We ensure that your benefits are accurately calculated, maximizing your compensation.

Filing Claims

We assist with filing your workers’ compensation claims correctly and promptly.

Appealing Denied Claims

If your claim is denied, we can help you appeal the decision and fight for your rights.

Ongoing Support

We offer ongoing support throughout your recovery, ensuring you receive the benefits you deserve.

At The Epstein Law Firm, we are committed to helping you navigate the complexities of the workers’ compensation system and secure the benefits you are entitled to. Contact us today for a consultation and let us help you maximize your workers’ compensation benefits in New Jersey.

Contact The Epstein Law Firm Today

Calculating your workers’ compensation benefits in New Jersey requires a thorough understanding of the eligibility criteria, accurate calculation methods, and awareness of common pitfalls. With this guide, you are equipped with the knowledge to navigate the process confidently. Remember, The Epstein Law Firm is here to support you every step of the way, ensuring you receive the maximum benefits you deserve. Reach out to us for expert legal assistance and secure your financial stability during your recovery.  Contact us today at 201-231-7847 or schedule a consultation online to learn more.