Q What is the Difference Between NJ Workers’ Compensation and State Disability Insurance?
Disability Insurance (DI) pays a weekly benefit when an injury or illness is NOT caused by or related to work. The DI benefits are paid for a temporary period of time only, usually the time when someone is unable to work due to their injury or illness. Workers’ Compensation (WC) provides benefits for workers when their injury or illness arises out of or is caused by their work. WC may also pay medical bills and benefits for temporary or permanent disabilities.
Most people are unable to collect DI and WC at the same time. In order to receive DI, injured individuals can apply by mail. To learn more visit the State of New Jersey’s Department of Labor and Workforce Development’s website.
All New Jersey workers are covered by NJ Workers’ Compensation, even if the accident is their fault. Injured workers only need to prove that the injury or illness was related to their employment. Oftentimes, however, the employer’s Workers’ Compensation insurance company will deny claims or end treatment too early. Contacting a Warren county workers’ comp attorney can help workers get proper benefits and compensation for their injuries. New Jersey workers’ comp lawyers only get paid if they win the case and never take money directly from clients.
Warren county Worker’s Compensation attorney Manfred Ricciardelli is happy to assist you with all your Worker’s Comp needs. For more information on work-related injuries, you can contact us at (973) 285-1100.