Filing a workers’ compensation claim can be challenging, especially when you’re unsure of what to do. While the process may seem straightforward, many employees make simple errors that delay benefits or even lead to claim denials.
Understanding these common mistakes and how to avoid them can help ensure you receive the benefits you deserve.
Not reporting the injury immediately
One of the most common mistakes people make is failing to report their injury right away. New Jersey law requires that you notify your employer as soon as you’re injured on the job. Waiting too long to report the injury can cause complications, as employers might argue that the injury occurred outside of work. Report any injuries promptly to avoid delays in the claims process.
Failing to seek medical attention
After an injury, seeking medical care is essential not just for your health but also for your workers’ comp claim. If you don’t get medical attention or fail to follow through with prescribed treatments, your claim may face questions. In New Jersey, workers’ compensation typically covers medical expenses for treatment related to your work injury, but skipping doctor visits can harm your case.
Not keeping accurate records
Another common mistake is not keeping detailed records of your injury and treatment. It’s essential to track doctor visits, medical bills, and communications with your employer or insurance company. This documentation can serve as proof of your injury and treatment, ensuring your claim receives proper support.
Not understanding workers’ comp benefits
New Jersey workers’ comp law provides several types of benefits, including medical treatment and wage replacement. However, workers often overlook certain benefits they are entitled to, such as temporary disability benefits or vocational rehabilitation. Understanding these benefits and ensuring you receive the correct amount can prevent unnecessary financial strain.
Ignoring deadlines
Specific deadlines exist for filing workers’ comp claims. Missing these deadlines can lead to the denial of your claim, so submit your paperwork on time. Be aware of the deadlines and complete any necessary forms promptly.
By taking the necessary steps, staying organized, and staying informed, you’ll increase your chances of a successful claim.