There is a system in place to help ensure if you suffer an injury on the job that you receive immediate assistance. The workers’ compensation system allows you to submit a claim and get help quickly after you have a work accident. This system helps avoid the lengthy and often complicated process of securing benefits through the New Jersey court system by providing a no-fault option.
Your claim process begins when you suffer an injury. The Department of Labor and Workforce Development explains that you must report your injury to your employer as soon as you can. Your employer has the right to choose the doctor you see for treatment, so you will want to alert your employer right away to ensure you do not have issues later with the insurer covering your medical treatment.
If you have issues with coverage of your treatment or payment of any wage benefits, then you can file a claim with the Division of Workers’ Compensation. They will oversee an investigation and make a ruling as to whether you qualify for the disputed benefits.
Typically, you can expect coverage for your medical care related to the work injury. You may also qualify for wage benefits, but there are specific rules about when you may collect them and how much you may collect.
Do note that if your employer does not have workers’ compensation insurance, you will have to take your employer to court to fight for damages. You may also file a complaint if the law requires your employer to carry such insurance. This information is for education and is not legal advice.