For employees in New Jersey, understanding workers’ compensation is essential to ensuring protection in the event of a job-related injury or illness. The New Jersey Workers’ Compensation system is designed to provide medical care, wage replacement, and other benefits to employees who suffer injuries or occupational diseases while performing their job duties. This no-fault system means that eligible employees can receive benefits without having to prove that their employer was negligent. However, knowing your rights and the procedures involved is crucial to making a successful claim.
What Is Covered by Workers’ Compensation?
Under New Jersey law, nearly all employers are required to carry workers’ compensation insurance. This coverage applies to:
- Injuries that occur on the job, such as falls, machinery accidents, or lifting injuries
- Occupational illnesses caused by exposure to harmful substances or repetitive motion
- Pre-existing conditions aggravated by work-related activities
- Mental health issues resulting from traumatic work events (in limited circumstances)
Importantly, coverage applies regardless of who caused the accident. However, benefits may be denied if the injury occurred while the employee was intoxicated, engaging in horseplay, or intentionally trying to hurt themselves or others.
Types of Benefits Available
New Jersey’s workers’ compensation system provides several types of benefits to injured employees:
- Medical Benefits – All reasonable and necessary medical treatment, prescriptions, and hospital services are covered. Employers have the right to select the authorized treating physician.
- Temporary Total Disability Benefits – If an employee is unable to work for more than seven days, they may receive 70% of their average weekly wage, up to a set maximum, until they return to work or reach maximum medical improvement.
- Permanent Partial Disability Benefits – If the injury results in lasting impairment, the employee may receive compensation based on the type and severity of the disability.
- Permanent Total Disability Benefits – Employees who are permanently unable to return to any gainful employment may receive ongoing payments and medical coverage.
- Death Benefits – Dependents of an employee who dies from a work-related injury or illness may receive weekly benefits and coverage for funeral expenses.
Reporting and Filing Requirements
To preserve your right to benefits, you must report your injury to your employer as soon as possible, ideally within 14 days. Written notice is not required, but it is recommended for documentation purposes. The employer or their insurance company will then file a First Report of Injury with the New Jersey Division of Workers’ Compensation.
If benefits are denied or delayed, employees can file a Claim Petition or an Application for an Informal Hearing with the Division. It is advisable to seek legal representation when disputes arise regarding benefit entitlement or the extent of an injury.
Can You Sue Your Employer?
In most cases, workers’ compensation is the exclusive remedy, meaning employees cannot sue their employer for workplace injuries. However, if a third party (such as an equipment manufacturer or contractor) caused the injury, the employee may pursue a separate personal injury lawsuit against that third party.
Protecting Your Rights
Many employees fear retaliation for filing a workers’ compensation claim. It is illegal in New Jersey for employers to fire, demote, or discriminate against an employee for exercising their rights under the workers’ compensation law. If retaliation occurs, employees may have grounds for a separate legal claim.
Conclusion
Workers’ compensation laws in New Jersey are designed to protect employees and provide critical support during times of injury and recovery. Knowing your rights, acting promptly, and seeking guidance when needed can make the difference between a smooth claims process and prolonged hardship. Whether dealing with a minor injury or a life-altering condition, every New Jersey worker deserves to feel safe and supported under the law.