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Hurt on the Job: Who Pays for Medical Bills After a Work Injury?

The lawyer giving hand shake to the Hand injured person at Morristown, NJEach year, millions of workers in a wide range of industries are injured on the job. Being hurt at work doesn’t just affect your physical health—it can also jeopardize your financial well-being. You could be entitled to compensation for things like medical bills, medications, and lost income from taking time off while you recover. The best way to get every dime you’re entitled to is to team up with a workers compensation attorney.

Understanding Workers Compensation

The best time to learn about workers comp is before you’re injured at work. The purpose of workers compensation is to protect employers and their employees from financial losses associated with workplace injuries and illnesses. While coverage varies by plan and insurance company, workers comp usually covers:

  • Medical expenses, including doctor visits, treatment, medicine, and ongoing care costs
  • Lost wages and benefits
  • Funeral expenses benefiting family members if the worker passes away

Workers compensation is no-fault insurance, meaning you should be covered even if you accidentally caused your own injuries. Still, the following is usually not covered:

  • Injuries from a fight that the employee started
  • Injuries resulting from intoxication at work
  • Injuries that the employee sustained on purpose
  • Emotional injuries not accompanied by physical injuries

Seeking Medical Care After a Work Injury

To obtain coverage through workers compensation, you must report your workplace injury or illness as soon as possible (preferably in writing) and seek medical care from an approved provider. If you seek treatment from a doctor that isn’t part of your employer’s insurance plan, you may be responsible for those medical expenses.

Before you file a claim, gather information about the employer, the injured employee, and the details surrounding the incident. Then, file a report with the workers comp insurance company as soon as possible.

If you require immediate treatment, you’ll need a way to cover your medical bills while your workers comp claim is being processed. That’s why it’s important to have health insurance and emergency savings. Be prepared to pay deductibles and co-insurance upfront. Then, the workers comp insurance company will reimburse you and your health insurance provider once your claim goes through.

Options for Seeking Damages Outside of Workers Comp

Many employees don’t know about the other options available for receiving much-needed financial support following a work injury. In situations involving premises liability, it might make sense to file a personal injury lawsuit. You might also want to submit a disability insurance claim outside your employer’s workers comp coverage. Speak with an attorney for more information.

Get Help Filing a Workers Compensation Claim

The team at Gelman Gelman Wiskow & McCarthy LLC can guide you through the workers compensation system in New Jersey. We have 65 years of combined experience helping our clients receive the maximum benefits as quickly as possible, whether through workers comp, a personal injury lawsuit, or other avenues. Contact us at 862-263-0770 today to schedule your free, one-hour consultation. A Spanish translator is available upon request.

  • In 2022, a year in which New Jersey courts were basically closed for trials, our firm still settled almost 100 cases for in excess of 8 million dollars.
  • Discuss the firm's 2022 settlements.
  • Results may vary depending on your particular facts and legal circumstances.
Our Offices
  • Elmwood Park Office
    One Broadway
    Elmwood Park, New Jersey 07470
    Phone: 862-263-0770
    Fax: 973-813-3360
  • Hackensack Office
    401 Hackensack Ave
    Suite 706
    Hackensack, New Jersey 07601
    Phone: 201-488-3366
  • Morristown Office
    19 Cattano Ave.
    Morristown, New Jersey 07960
    Phone: 973-922-3900
  • Roseland Office
    425 Eagle Rock Ave
    Suite 100
    Roseland, New Jersey 07068
    Phone: 973-274-5200
  • Bridgewater Office
    440 Route 22 E
    Suite 170
    Bridgewater, New Jersey 08807
    Phone: 908-927-0200