What should you know about filing a workers’ compensation claim in New Jersey?
Seek Medical Attention
The first and most crucial step to take after a work injury is to seek medical attention immediately. Your health and safety are of utmost importance. Go to the hospital or an authorized healthcare provider chosen by your employer.
Notify Your Employer
After seeing a healthcare provider, you must report the injury to your employer as soon as possible. Failure to do this within 90 days of the accident may result in a loss of benefits. Tell your employer about your injury verbally, and fill out an incident report if your employer has one.
File the Claim
Your employer should file a First Report of Injury with their workers’ compensation insurance carrier promptly after you have reported the injury. The insurance company will acknowledge receipt of the report and will begin investigating the claim. The claim investigation process can take some time, and you might need to provide additional information requested by the insurance adjuster.
Wait for the Decision
Once the insurance company has completed its investigation, it will determine your workers’ compensation claim. The decision will be either acceptance of your claim or denial of it. If approved, you will receive compensation for lost wages, medical expenses, and any permanent injuries. If denied, you have a right to appeal the decision.
Hire a Worker’s Compensation Attorney
This final step is arguably the most important after seeking medical treatment. For some, it might not be necessary because their compensation claim is honored without any hassle.
However, if your claim is denied or if you believe the compensation offered is inadequate, you might want to consider hiring a worker’s compensation attorney. These professionals can help you navigate through the appeal process, represent your interests, and help you receive the benefits you deserve. Most workers’ compensation attorneys work on a contingency fee basis, which means you only pay if you receive compensation.
Filing a workers’ compensation claim can be a stressful and complex process. However, the steps involved are essential to ensure that you receive the benefits you are entitled to following a work-related injury.
For more information about workers’ compensation or to speak to someone about your workplace injury, contact Livingston DiMarzio Brown, LLP at (973) 943-4961.
