DOES WORKERS’ COMPENSATION COVER MY COMMUTE TO WORK?
Have you ever questioned if workers’ compensation could cover accident related or personal injuries on your commute to work? Workers’ compensation for traveling employees, unfortunately, does not cover car accidents on the way to work. Know precisely what workers’ compensation covers, what happens if you become injured on your way to work in a vehicle accident, and what defines the coming and going rule. Learn what to do and who to contact when dealing with any kind of personal injury.
What Does Workers’ Compensation Cover?
Workers’ compensation for traveling employees is a “no-fault” insurance program that provides medical treatment, wage replacement, and permanent disability compensation to employees who suffer job-related injuries or illnesses, according to New Jersey’s Department of Labor and Workforce Development. All New Jersey employers must be covered by either federal programs or be approved for self-insurance. There are many benefits that come from providing workers’ compensation, including:
- Medical Benefits – Your employer’s insurance will cover prescriptions, hospital services, and medical treatment related to the work injury.
- Temporary Benefits – Any worker disability for more than seven days will be qualified to receive temporary total benefits, including 70%of your paid wage.
- Permanent Partial Benefits – This benefit is based on your functional loss.
- Permanent Total Benefits – This is based on total disability.
- Death Benefits – Work-related deaths may qualify the worker’s family to be eligible to receive death and funeral benefits and expenses.
What Happens If You Are Injured On Your Way To Work?
In most cases, workers’ compensation for traveling employees does not cover the cost of commuter accidents. So, if you happen to get hurt on the road to work, and not actually on the clock, you likely will not be covered by workers comp. Only work-related injuries that happen on the clock in one’s work environment will be covered by medical, temporary, permanent, and death benefits. All off the clock injuries that don’t occur at your actual place of work will typically be your own responsibility.
What Is Coming And Going Rule?
The Coming and going rule can be defined as a legal principle exempting an employee from the scope of employment for a tort committed while commuting to or from work, according to USLegal. The rule also denies the use of workers’ compensation for accidents on the way to work.
Find Someone Who Can Help
Are you looking for an NJ accident lawyer? Attorney James C Dezao has a track record of success with personal injury cases, which makes him one of the most trusted litigators in Morris County. If you have experienced any work-related or accident injuries, make sure you speak with an experienced New Jersey personal injury attorney today. Don’t trust your claim with just any injury firm; be sure to hire the experienced. Call us today at (973) 358-6134 for a free consultation.