In New Jersey, most employers must have a workers’ compensation insurance policy in place. If you have experienced a job-related injury that requires time off work, you may be able to receive compensation for both lost wages and medical expenses.
Unfortunately, your employer’s insurance carrier may not approve your claim for benefits unless you document your injury carefully.
1. Seek medical attention
Even if you do not require emergency care, seeking treatment after a work-related incident is important. Your injury may be worse than it seems at first, and visiting a doctor helps establish a medical record to use when applying for benefits. Make sure to let care providers know that your job duties led to your injury.
2. Notify your employer
Under New Jersey law, you may have a limited time to report your injury if you want to apply for workers’ comp benefits. Make sure to notify your employer, supervisor, foreman or another person in authority soon after the incident. Reporting quickly may also help prove to the insurance company that your injury was work-related.
3. Visit an approved health care provider
Notifying your employer quickly is also important because you will need to visit a pre-approved physician to remain eligible for WC benefits. You may visit the provider of your choice if you need emergency treatment. However, if you require ongoing care, you must see the doctor chosen by either your employer or your employer’s insurer.
You may have already applied for benefits and received a denial. However, insurers often deny claims due to lack of documentation, not because they are not valid claims. With better preparation, you may be able to successfully appeal your claim through the New Jersey Division of Workers’ Compensation.