Workers’ compensation is an insurance program that offers benefits to employees who sustain illnesses or injuries related to their place of work. Workers’ comp also provides death benefits to dependents of employees who died as a direct result of their employment. In exchange for receiving the benefits, the employee is not permitted to take legal action against the employer for damages, such as pain and suffering, unless it can be proven that the incident was intentional. If you’re a New Jersey resident, here are some essential things to know about worker’s compensation.
What to do if you’re hurt on the job
You should notify your employer about your injury as soon as you can. You can provide a notice to your supervisor, personnel office or anyone who holds an authoritative position at your company. Your notice does not have to be in writing, but it may be best to submit a written statement for your records. You should also request that your employer provide arrangements for medical treatment as soon as possible if necessary. According to workers’ comp laws in New Jersey, your employer or their insurance provider can choose the doctors to treat your work-related injuries.
Your employer’s responsibility after your injury
Once you report your accident, your employer should notify their insurer right away so that a First Report of Injury can be filed with the state of New Jersey. Your employer’s workers’ comp insurance carrier will assess the claim to determine if you are eligible for compensation.
The insurance company will contact you, your employer and the doctors participating in the assessment. If your claim is accepted, you’ll be directed to the appropriate physician for treatment. If you have to miss more than seven days of work due to your injury, you can receive temporary disability while you’re recovering.