On-the-job injuries can present quite a challenge to New Jersey workers. Though New Jersey requires most employers to carry workers’ compensation insurance, filing a successful claim may be more difficult than anticipated.
The following steps can help those injured in a work accident collect the relevant information, talk to the necessary personnel and collect their employment benefits.
Steps to filing a successful claim
The following steps apply to most New Jersey workers’ compensation claims, but every case is different. To ensure you submit the necessary information within the time limit, you can contact a local attorney familiar with New Jersey labor laws.
- The first step to filing a successful claim comes immediately after the incident occurs. When injured on the job, seek medical attention as soon as possible. Even if you don’t think the injury is severe, failing to secure immediate care may undermine your claim. New Jersey law allows your employer or insurer to select your care provider.
- Second, file a report within a few days of the incident. Your employer may have a stricter policy on timetables, but New Jersey law maintains a two-year statute of limitations on all workers’ comp claims. This report will need specific details, names of witnesses and circumstances of the accident.
- The responsibility then passes to your employer and the insurance company. Insurance adjusters will communicate with you about covering your medical bills and work with the employer on your return to work. If an injury keeps you from working for more than 7 days, you may also secure temporary disability insurance benefits. Additionally, early in April 2021, the New Jersey Supreme Court ruled that medical marijuana expenses are also compensable.
Each of these steps can be easier by working with an attorney familiar with workers’ compensation claims.
Coverage under New Jersey law
New Jersey supports some of the most generous workers’ compensation laws in the country. Employers must carry insurance to cover 70% of weekly wage reimbursement, medical treatment and even vocational rehabilitation if your work injury prevents you from performing that job again. For mental injuries, New Jersey uses an objective five-element test to determine if the injury is compensable.
Remember, there is little reason to wait before filing an incident report and moving forward with securing coverage for injuries sustained at work. A local attorney can help by communicating with your employer, navigating tricky insurance documents and helping you appeal any denied claims.