Workers' Compensation

New Jersey law requires that all New Jersey employers not covered by Federal programs, have Workers’ Compensation coverage or be approved for self-insurance. 

Under the NJ Workers' Compensation Act, you are eligible for workers' comp benefits as long as you were in scope of your employment regardless as to how the injury occurred.  

 What coverage is provided? 

Workers' compensation is a “no fault” insurance program that provides medical treatment, wage replacement, temporary and permanent disability compensation to employees who suffer job-related injuries or illnesses.   It also provides death benefits to dependents of workers who have died as a result of their employment. 

What is Temporary Disability?

If an injured worker is disabled for a period of more than seven days, he or she will be eligible to receive temporary total benefits at a rate of 70% of his or her average weekly wage, not to exceed 75% of the Statewide Average Weekly Wage (SAWW) or fall below the minimum rate of 20% of the SAWW. 

What is Permanent Partial Disability?

 You have completed treatment and are still able to work, but you have suffered a permanent loss of function, which entitles you to compensation.

Who must you notify?

 Notify your employer as soon as you reasonably can. Notice doesn’t need to be in writing (although written or electronic records of communications can be useful in case of a dispute), and it can be delivered to anyone in a position of authority at your place of business, such as a manager, supervisor, or HR representative. The notice must make your employer aware of your name and the date and location of your injury. 

CALL US ONCE REPORTED.  MOST TREATMENT, EXCEPT EMERGENT  MUST BE AUTHORIZED OTHERWISE THE BILLS MAY NOT BE PAID.

Don't be overwhelmed!  We are here to help and explain the process, and get you the compensation you deserve.