You injured your back on the job and now the pain keeps you from working like you used to. Even with workers’ comp, you may struggle to cover essentials like rent, food and child care. When you understand what help is available, you can take control and protect your future.
Understand what workers’ comp covers
Workers’ compensation pays for medical treatment and part of your lost wages. In New Jersey, the system replaces about two-thirds of your weekly pay. It does not include overtime, bonuses or other extras. While your doctor visits and treatments may fall under the coverage, you still need to pay for other costs like transportation expenses, home help or missed mortgage payments.
Once you break down what it actually provides, you can see why many workers struggle.
Recognize the limits of workers’ compensation
Partial wage replacement usually cannot meet your full household needs. In New Jersey, many workers in construction, transportation and health services face this problem. Even a short break from work can create serious financial stress.
You should consider every available option to protect your income.
Explore other income sources while you recover
You can turn to other sources for help during your recovery. These resources generally do not interfere with your workers’ compensation claim:
- Union assistance programs: Receive emergency financial support or hardship grants.
- Disability insurance benefits: Get income through your employer or a private policy.
- Modified work opportunities: Return to light-duty jobs that match your doctor’s instructions.
- Community support resources: Use local or county programs for short-term help.
These options can help fill the gaps that workers’ comp leaves behind.
You should also ask whether someone outside your employer contributed to your injury.
Can you file a third-party claim?
If a subcontractor, equipment maker or property owner was partly responsible for your injury, you may qualify for a third-party claim. A third-party claim allows you to seek compensation from a person or company outside of your employer’s organization if their actions played a role in your injury. Through these claims, you can seek extra compensation for pain, future medical costs and lost income.
You improve your chances when you consider speaking with a lawyer who knows how to handle these claims.
Work with an experienced injury lawyer
A local workers’ comp lawyer can review your benefits and may help you find any additional options. You do not need to handle legal and insurance issues by yourself, especially when your health and income are at risk.
By acting early, you protect your future and your ability to care for your family.
Don’t settle for less than you deserve
Workers’ compensation may not be enough. If your benefits fall short, consider consulting with a lawyer who specializes in protecting injured workers and their families. You have worked hard for years. Now is the time to protect what matters most: your health, income and your peace of mind. If you live or work in Monmouth County, consider speaking with a local attorney who understands construction injuries and can guide you through the process.