Understanding New Jersey Workers’ Compensation: A Step-by-Step Guide for Injured Workers

Getting hurt on the job can be overwhelming. Between the pain, missed work, and bills piling up, it’s hard to know what to do next. That’s where workers’ compensation comes in. If you’ve been injured at work in New Jersey, you may be entitled to medical care, partial lost wages, and other benefits.

Here’s a step-by-step guide to help you understand how the process works—and what you can do to protect your rights.

Step 1: Report the Injury

The first step is crucial but straightforward: Tell your employer about the injury right away.

In New Jersey, you have up to 90 days to report a work-related injury, but it’s best to do it as soon as possible. You don’t have to submit anything in writing (although it doesn’t hurt), but you do need to notify a supervisor, manager, or someone in HR.

Waiting too long can create doubt about when and how the injury happened.

Step 2: Get Medical Treatment

Once you report the injury, your employer (or their insurance company) will direct you to an approved doctor. In New Jersey, the employer can choose who treats you, unless it’s an emergency. Going to your doctor without approval could mean the insurance company refuses to pay.

If your injury needs immediate care, go to the ER first. Just make sure to follow up with the authorized provider afterward.

Step 3: Keep Records

Keep track of everything—doctor visits, prescriptions, time missed from work, and communication with your employer or the insurance company. Even small details matter. These records can be helpful later if there’s a dispute about your claim.

Also, follow your doctor’s instructions closely. Skipping appointments or not following the treatment plan can hurt your case and recovery.

Step 4: Understand the Benefits

New Jersey workers’ compensation covers:

• Medical expenses
• Temporary disability benefits (lost wages if you can’t work)
• Permanent partial or total disability benefits (if you don’t fully recover)
• Death benefits for dependents if a worker dies from the injury

If you’re out of work for more than seven days, you may qualify for temporary disability benefits. These are typically about 70% of your average wages, up to a weekly maximum. You can find more about current rates and coverage at the New Jersey Department of Labor website.

Step 5: Know What to Expect If a Claim Is Denied

Sometimes, even valid claims get denied. Maybe the employer disputes how the injury happened. Or perhaps the insurer argues the injury wasn’t work-related. Don’t panic if this happens.

You have the right to file a formal claim and request a hearing before a compensation judge. This step lets you explain your case, present evidence, and seek benefits. Deadlines apply, so don’t wait too long.

Step 6: Follow Through

Returning to work too soon or stopping treatment early can affect your benefits. Make sure your doctor fully clears you before going back. If your injury prevents you from returning to your old job, you may be eligible for vocational rehab or other long-term benefits.

Stay in touch with your employer and the insurance company. Ask questions if you’re unsure about paperwork or payments. It’s okay to advocate for yourself.

You Don’t Have to Navigate This Alone

The workers’ compensation system in New Jersey is meant to help injured workers, but it isn’t always easy to understand. Delays, denials, or missed steps can make recovery more complicated than it needs to be.

If you’ve been injured at work and aren’t sure what to do next, contact the team at The Workplace Lawyers for help.