No one goes to work expecting to be injured on the job, but it happens. If you work in a warehouse, you could hurt your back by picking up a package that’s heavier than it looks. Servers in busy restaurants, rushing to check on an overdue order, can slip on a spilled soft drink, fall, […]
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New Jersey Workers’ Compensation Statute of Limitations
Under New Jersey law, if you are injured at work or develop an occupational illness, you are entitled to benefits through the workers’ compensation system. These benefits may include medical treatment, monetary payments, and even death benefits for people whose loved one died in a workplace accident. The New Jersey Workers’ Compensation Act establishes the […]
Continue ReadingLump-Sum Settlement vs. Lifetime Benefits
Under New Jersey’s Workers’ Compensation Act, there are two types of settlements that an injured worker can enter into with their employer and the insurance company. These settlements are referred to Section 20 and Section 22 settlements, based on the section of the Act that authorizes each one. Section 20 settlements result in a lump […]
Continue ReadingWorkers’ Compensation vs. Short Term Disability
If you are unable to work due to an injury or illness, you may be wondering if you can get some type of benefits to cover your lost income. For many workers, there are two options for disabilities that are limited in duration: workers’ compensation and short-term disability benefits. While both are meant to help […]
Continue ReadingLong-Term Disability Eligibility Requirements
We buy insurance to protect us in case something bad happens: car insurance covers property damage and other losses in the event of an accident, health insurance covers medical treatment, and homeowners insurance pays for losses from fires and other disasters. In the same way, long-term disability insurance provides a financial safety net if you […]
Continue ReadingCOVID 19 Concerns for those on Disability
Since it first arrived in the United States, the novel coronavirus has caused over 110,000 deaths and sickened more than 2 million people. It has also caused massive unemployment, which lead to the passage of the CARES Act. As part of this historic bill, every American who met the income limits received a $1,200 check […]
Continue ReadingHartford Long-Term Disability Claims
The Hartford Financial Services Group, Inc. — most often referred to as The Hartford — is an investment and insurance company based in Hartford, Connecticut. Founded in 1810, it offers a range of insurance products, including both short and long-term disability insurance. In 2019, it had over $1.8 billion in profits and was ranked as […]
Continue ReadingSun Life Financial Long-Term Disability Claims
Sun Life Financial is one of the oldest insurance companies in the world. Founded in 1865, this Canadian company bases its U.S. operations out of Wellesley, Massachusetts. It has the sixth-largest group benefits business in the United States, serving more than 60,000 employers. Sun Life Financial offers a range of insurance products, including long-term disability […]
Continue ReadingCan You Receive Workers’ Compensation for Carpal Tunnel
If you’re like many people, your job involves some level of doing the same thing repeatedly — like typing on a keyboard, lifting something from one place to another, or even driving. Repetitive motions involving your hands and arms can often lead to numbness and tingling. In many cases, this is due to a condition […]
Continue ReadingWorkers’ Compensation for Eye Injuries or Vision Loss
For many people, one of the most gruesome types of injuries that they can imagine involves an injury to the eye. This sensitive area of our body isn’t usually touched (and if it is, only gently)— so the thought of an injury to the eye is cringe-inducing. Yet data provided in 2020 by the U.S. […]
Continue ReadingWhat Happens If You Crash the Company Car?
In 2017 alone, there were 6,452,000 car accidents in the United States that were reported to the police. 2,746,000 people were injured in these crashes — and another 37,133 people were killed. These accidents were caused by a variety of factors, from speeding to distracted driving to driving under the influence of alcohol and/or drugs. […]
Continue ReadingShoulder Injuries at Work
If you’re like most people, you don’t devote much time to thinking about your shoulders. But after you’ve hurt your shoulder, you quickly come to realize just how much you use your shoulders. When every motion — from standing up to laying down — is painful, you understand just how important shoulders truly are. There […]
Continue ReadingUnderstanding New Jersey Workers’ Compensation Laws
Each year, millions of Americans are hurt at work. According to the U.S. Bureau of Labor Statistics (BLS), in 2018 alone, employers reported 2.8 million nonfatal workplace injuries. In that same year, 5,250 people died as a result of injuries and accidents at work. Employees who are injured or become ill at work — and […]
Continue ReadingCan You Receive Workers’ Comp for Anxiety or Stress?
When most people consider workers’ compensation, they typically think about a person who suffers some type of physical injury at work — such as falling from a high place, being crushed by equipment, or even losing a finger in a machinery accident. Yet workers’ compensation covers more than just injuries due to accidents. It also […]
Continue ReadingDoes Long-Term Disability Continue After Termination?
A disability insurance policy can be an incredibly valuable part of your overall financial strategy. These types of policies cover both short and long-term disabilities that may limit your ability to work. With 28.7% of the adult population living with a disability in the United States, this type of coverage can be crucial in providing […]
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