4 FAQs About New Jersey Workers’ Compensation Benefits

In New Jersey, employers must have workers’ compensation insurance for all their employees, with some exceptions. This “no fault” insurance policy helps employees who get injured or sick on the job receive the financial and medical support they need to recover.

Here are four frequently asked questions about the state’s workers’ compensation benefits:

I was injured at work. Can I go to the doctor immediately?

If you get into an accident while at work, inform your supervisor and seek medical help as soon as possible. It is important to note that your employer can choose their own doctors, so consulting with them prior to pursuing your medical treatment is ideal.

Once your employer reports your workplace accident, their insurance provider will file the necessary forms with the New Jersey Compensation Rating & Inspection Bureau.

Can my employer fire me for filing a workers’ compensation claim?

No, it is illegal for any New Jersey employer to terminate their employee just because they filed a claim. However, if you suspect that your employer has been showing subtle signs of retaliation for this matter, gather evidence and contact legal counsel to understand your options.

What types of benefits am I entitled to?

If your claim is approved, your workers’ compensation insurance can pay for your medical treatments, hospital stay bills, surgery costs and/or prescription medications. The state also provides wage loss benefits for any work-related injury or illness that has caused a temporary or permanent disability for the employee.

How long is the claim process?

Your employer’s insurance provider will typically have 21 days to review your claim, consult with your doctor/s, and inform you whether it is approved or denied. However, not all injuries and illnesses have the same treatments, so the processing time may vary from three weeks up to a few months.

Additionally, if you receive a denial letter, do not feel discouraged. You may challenge the insurer’s decision by filing an appeal.

You have the right to seek medical help

Although getting a work-related injury may seem common in most labor-intensive industries, your accident should not leave you with a financial burden. By understanding your rights and having guidance to the process, you can recover from your injury while receiving the compensation that you deserve.