Workers' Compensation Coverage
The Diocese of Trenton is a Qualified Self-Insurer in the State of New Jersey and purchases Excess Workers Compensation limits to apply over the retention. The benefits payable are in accordance with the Statutes of the State of New Jersey.
Who is Covered
- Employees are covered as more fully defined in the New Jersey statute relating to the Workers Compensation Act (Article 34:15-36) if they perform services for wages and their injuries arise out of and in the course of employment.
- NOTE: Coverage does not extend to contractors, third-party vendors or volunteers.
What is Covered
Workers Compensation provides medical and wage loss benefits for work-related injuries or illnesses. Types of coverages provided include:
- Medical Expenses, including all necessary medical treatment and hospitalization services, are covered in full. Except for emergency treatment which may be incurred as necessary, all other medical benefits must be delivered through an employer authorized physician in order to be paid. When you contact the claims administrator they will direct you to an authorized physician.
- Temporary Disability Income. When a work-related accident results in a disability beyond seven consecutive days, temporary benefits are payable retroactive to the first day of lost time. The employee must be removed from payroll and paid disability through the Workers Compensation Claims Administrator. If the disability is less than seven days, the employee should be paid by the employer directly in accordance with the overall policy related to sickness and disability. Temporary Disability Benefits are 70% of the injured employee’s average weekly wage, subject to New Jersey maximums and are payable for 400 weeks.
- Permanent Total Disability Income. Payable when an injury is permanent in nature and total in character. Permanent Total Disability benefits are 70% of the injured employee’s average weekly wage, subject to New Jersey maximums and are payable in full for 450 weeks.
- Permanent Partial Benefits and Death Benefits. Payable when an injury is partial in character and permanent in quality. Benefits are based on a percentage of impairment that is applied to a schedule of injury benefits published by the New Jersey Department of Labor. Death Benefits are payable to the employees spouse, children or other dependents as defined by law, if the workers compensation injury results in death. Benefits include weekly payments to dependents for a defined period of time as well as funeral expenses.