Workers who become injured on the job in the state of New Jersey are protected under the state's workers' compensation system. While most people are vaguely aware that a system is in place, many never look at the details or inquire about how the system works until they are directly involved with it through a workplace injury.
The workers' compensation system can be complex at turns, and people encountering it for the first time often have many questions about how it works and what benefits the system provides. Here are the basics about workers' compensation in New Jersey, how to access it and whether you need to seek the professional assistance of a workers' compensation attorney:
Workers' compensation requirements in New Jersey
New Jersey state law requires that all employers must provide workers' compensation insurance for their employees. Generally, employers contract with a private insurance company to meet this requirement. That means when an employee is injured on the job, the insurance company the employer uses for its workers' compensation insurance will be called in to handle the claim. The company will likely investigate to determine the circumstances surrounding the injury and verify the employee's eligibility to receive benefits. The New Jersey Division of Workers' Compensation can help employees who disagree with the determinations of the insurance company.
Benefits through workers' compensation
For injuries that require time off work for recovery, workers' compensation benefits provide temporary disability benefits to cover lost wages incurred during the time an employee is off work. Even if the employee does not lose wages or have to take an extended leave from work, the benefits should cover any medical expenses incurred. And in cases of more severe injuries, benefits can provide compensation for permanent disability as well.
Insurance companies often look out for their own best interests, not those of the injured worker. That is why injured workers often turn to workers' compensation attorneys to help them move forward with their claims and assert their rights to receive the maximum benefits they are entitled to.