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If you are being treated by authorized treating doctor (the doctor that has been chosen by the compensation insurance company), and that doctor says that you cannot work, then you will be paid for your recovery time.
Specifically, you will be paid 70% of your salary, tax-free. This is called a temporary disability benefit. It is not provided by the state. Rather, it is provided by the workers’ compensation insurance company. This is one of the three benefits provided by these companies, along with the medical benefits and permanent disability that you are entitled to, as discussed in our previous article.
So long as the doctor who says you cannot work is the authorized treating doctor, you will get those benefits.
If you decide to go to a personal doctor who is not authorized, you will not be entitled to those benefits. You may be able to get temporary disability somewhere along the line, but you will likely have to fight even for that. Even if you get that temporary disability, it’s not going to help you immediately, when you are hurt and can’t work and need the money to pay your bills.
There are many different reasons that employers and insurance companies try to deny workers’ compensation claims. I’ve heard some wonderful excuses over the years to this effect.
The primary excuses used to deny workers’ compensation benefits are:
In many cases, if an employer is willfully resisting or denying a workers’ compensation claim, it’s because they believe they can take advantage of the employee in question. Maybe the employee is illegal or really needs the job, and the business owner is banking on them not filing a claim, all so that they don’t have to worry about their rates going up.
Those are among the most common reasons for workers compensation claim denials. All of these claims can be addressed by properly and promptly reporting your injury and if you are denied, and by going to an attorney who can help work through the process to ensure your rights are preserved.
For more information on Temporary Disability Benefits In New Jersey, an initial consultation is your next best step. Get the information and legal answers you are seeking by calling (855) 208-3650 today.