Workers compensation has long been an efficient method of both guaranteeing employees reimbursement for lost income after a job related injury or illness as well as providing for any associated medical expenses. The policy protects working men and women from unmanageable medical debt and financial straits resulting from a workplace accident or work related ailment, and it exists in some form in every state in the U.S.A, with some variations. So, how does workers compensation work in New Jersey? Let’s take a look.
What Should You Do if You’ve Been Injured at Work?
If you have been injured or have gotten sick from a workplace related incident, notify your employer, supervisor, or personnel official as soon as possible and describe your injuries. If you need medical treatment, under NJ law your company’s insurance carrier can relegate you to a physician of their choosing. Your statement does not need to be in writing but you should not delay.
What Are Your Employer’s Requirements?
After a claim has been made, your employer must notify your companies insurance carrier to file a first report of injury to the state and assess the claim to see if it qualifies for compensation. The final decision is made after the insurance representative consults with you, your employer and your physician. If it does qualify for compensation, you will be treated by a physician provided by the company's insurance carrier, and if your recuperation extends for over seven days, you will receive temporary disability benefits as well.
How Are Disputes Handled?
If there is a conflict between you and your employer over a claim, such as whether or not the accident was work related or if you feel you are not receiving fair treatment and/or compensation, you can file a Claim Petition or an Application for an Informal Hearing with the division of workers' compensation. Your case will then be reviewed by a local judge and district office. Remember, you cannot be discharged for filing a claim after a workplace accident or injury.
How to Report an Uninsured Employer
Under NJ law, all employers must have workers' compensation coverage or be approved for self-coverage. If you are aware of an employer who is not, they can be reported by emailing the Office of Special Compensation Funds, by calling (609) 292 0165, or by filling out a Report of Non-Compliance form. You do not have to reveal your identity and all you have to do is give the employer's name and the address of his or her place of business.
Worker’s compensation is an excellent system that has helped millions of people in America and around the world. Though it is not perfect, if you have gotten hurt at your workplace, filing a workers compensation claim is the best chance you have of receiving the help you need. Contact us today for your orthopedic needs.