Workers’ compensation claims provide financial and medical benefits to employees who suffer work-related injuries or illnesses. However, several misconceptions surround workers’ comp claims in New Jersey.
Here are some common misconceptions you need to understand:
Workers’ compensation claims only cover serious injuries
Contrary to popular belief, workers’ compensation benefits in New Jersey are not limited to severe or catastrophic injuries. The system covers a wide range of work-related injuries, including repetitive stress injuries, occupational illnesses and psychological conditions caused by workplace factors.
Filing a claim jeopardizes my job security
It is important to understand that filing a workers’ comp claim is a protected legal right. In New Jersey, state law prohibits employers from retaliating against employees who seek workers’ compensation benefits. They cannot terminate, demote or discriminate against employees for exercising their rights.
I cannot file a claim if the injury was my fault
New Jersey follows a “no-fault” system for workers’ compensation. Regardless of fault, employees are generally eligible for benefits if the injury occurred during the course of employment. Workers can pursue compensation as long as the injury is work-related.
I have to pay for medical treatment out of pocket
New Jersey’s workers’ compensation system entitles injured workers to medical treatment for their work-related injuries or illnesses. Workers’ compensation insurance typically covers medical expenses, including doctor visits, hospitalization, medications and necessary therapies.
Workers’ comp claims involve lengthy and complex processes
While workers’ comp claims can be complex, the process is relatively straightforward. In New Jersey, injured workers should promptly report their injury to their employer and seek medical treatment. The employer is responsible for filing a claim with their workers’ compensation insurance carrier, which evaluates the claim and provides benefits accordingly.
Understanding the truth behind common misconceptions about workers’ compensation claims in New Jersey is important for injured workers seeking rightful benefits, and can help them navigate the claims process and protect their rights.