You went to work at a New Jersey construction site just like any other day, but you certainly didn’t go home the same way. You fell about three stories to the ground from a scaffold, and you were lucky to survive. You broke your leg, got a head injury and now you’re recovering at home. The doctor says you won’t be able to work for at least two months.

Fortunately, the New Jersey workers’ compensation system exists to help you get through this rough patch. However, you’ll have to navigate your workers’ compensation claim appropriately to get the benefits you need. This means you’ll need to familiarize yourself with your legal rights and your employer’s responsibilities to you.

Employer and insurance company responsibility after a worker gets hurt

Your first order of business following a workplace injury is to report the accident and injury to your employer. This puts your employer on notice to fulfill one’s responsibilities to you. The first thing your employer will do after receiving notice is to notify the workers’ compensation insurance company to file a First Report of Injury.

The insurance company will then review the claim for benefits to ascertain whether it is compensable. The insurance company will usually perform a quick investigation that involves calling the medical provider and the employer to complete its assessment. Following approval of the benefits claim, the insurance company will instruct the injured employee to report to one of its authorized medical services providers.

If you spend over a week without working due to injuries or illness, the insurance company will also provide you with temporary disability payments as compensation for your lost wages.

Within a 26-week period following your return to work, the insurance company must submit a Subsequent Report of Injury to New Jersey’s workers’ compensation department. You will also receive a copy of this report to review.

Workers’ compensation has saved numerous New Jersey families

When a worker gets seriously hurt on the job and can’t earn an income while recovering, it could represent a serious and difficult problem for his or her family. However, if the worker can successfully secure workers’ compensation benefits to pay for medical care and lost wages, he or she will have the financial lifeline required to get through the difficult period following a serious accident.