According to New Jersey’s Law, all employers that are not covered by Federal programs are required to have a workers compensation coverage or be approved for self insurance. This compensation for workers is a no-fault insurance plan that allows employees to enjoy certain benefits when they suffer job-related sickness or injuries. The insurance cover provides for medical benefits, temporary or permanent total benefits or permanent-partial benefits. The cover also provides for benefits to dependants and family members of workers who die as a result of their job.
An employee is supposed to report to the employer and notify their insurance company once an accident happens. This should be done immediately so that a First Report of Injury can be recorded with the state. Generally, when all is well, the injured person receives total compensation to the magnitude of the injury. However, there can be a dispute between the injured person and the employer or the insurance carrier over payment of benefits. The employee can file a claim petition in a court or apply for an informal hearing at a department of worker’s compensation. For you to be assured of receiving the appropriate compensation as stipulated by the law, engage the New Jersey law experts at Law Offices of Charney & Roberts LLC.