What Does Workers’ Compensation Cover after a Work-Related Back Injury?
The no fault workers’ compensation system was established to provide injured workers with certain benefits, and to protect employers from injury lawsuits filed by employees. Benefits may vary somewhat from state to state. In New Jersey, workers’ compensation benefits after an on-the-job back injury may include:
- Medical benefits
- Partial reimbursement for lost wages during recovery (at 70% of your average weekly wage)
- Disability benefits, when a job-related injury or illness results in partial or total long-term disability
- Death benefits for surviving family members of workers who die from work-related injuries. Death benefits are 70% of the weekly wage of the deceased worker, divided by the number of surviving dependents, as determined by a judge after a hearing.
Medical Benefits Covered by Workers’ Compensation
Workers’ comp covers all necessary and reasonable medical treatment, hospitalization services, and prescriptions related to a workplace injury. These expenses are paid by the employer’s insurance company, or directly by the employer, if self-insured.
Who Selects Your Treating Physician?
The New Jersey Department of Labor and Workforce Development (NJ DOL) states that the employer has the right to designate which doctor will treat your work-related injuries. Injured workers may choose their own treating physician only:
- In an emergency (in which case the injured worker must notify the employer as soon as possible); and
- When the employer inappropriately refuses to provide medical treatment
Why Choose Progressive Spine & Orthopedics?
Dr. Rovner at Progressive Spine & Orthopedics has a simple guiding philosophy: Every patient is treated as an individual with compassion and respect. He delivers the highest level of personalized care in treatments custom-tailored to the individual patient’s condition. He is a certified spine and orthopaedic surgeon known for his progressive, patient-centered approach to resolving chronic back pain and spinal conditions.
BLS: Back injuries prominent in work-related musculoskeletal disorder cases in 2016
OSHA: Back Disorders and Injuries
NSC: Workplace Injuries
Mayo Clinic: Spinal Cord Injury
CPWR: Back Injuries in Construction and Other Industries
NJ DOL: WC Benefits