Workers’ compensation is designed to help you get what you need after being injured at work more quickly than you might through common-law channels. If you are injured while on the job, here are five of the most important things you should know about NJ workers’ comp.
Five Things You Need to Know About NJ Workers’ Comp
- Make sure you report the illness or injury soon. You generally have to report your injury within 24 hours of finding out about it. Go to the HR department at your business to report anything your doctor says was caused by your work.
- Keep records of everything regarding your injury. Be sure that your medical records are thorough. Those records should detail everything about your illness or injury and every part of your body that it has affected.
- Don’t believe your employers if they say you are exempt from workers’ comp, because the accident was your fault. Workers’ comp is a no-fault system, meaning that it doesn’t matter whose fault the accident was, you should be eligible for compensation.
- Workers’ comp rarely pays out big. In most cases, workers’ comp only covers medical expenses and maybe part of your lost wages. Don’t expect a million-dollar settlement from workers’ comp.
- In some cases, such as those involving severe negligence, an employee may decide to reject workers’ comp and file a lawsuit. Workers’ comp offers some benefits, but in many cases it may be better to consult with a personal injury attorney about getting compensation another way. If you want to go this route, you cannot accept workers’ comp settlements.
Workers’ comp may offer a solution for many people who sustain an injury at work, but it can be restrictive in other cases. Before you do anything, you may benefit from consulting with a personal injury lawyer prior to making a decision.