Does Your Status as an Independent Contractor Prevent You from Filing for Workers’ Compensation?

Employers and workers’ compensation insurance companies both have a vested interest in minimizing the amount paid out for work-related injuries. Employers must pay higher premiums if there are more claims against them, and workers’ compensation insurance companies maximize their profits by minimizing the compensation they pay to injured workers. A common ploy by employers and…

What Are an Employer’s Responsibilities with Respect to Workers’ Compensation Insurance?

In New Jersey, all employers are required to either carry a valid policy of workers’ compensation insurance or obtain state approval to be self-insured (to pay claims directly). There are other requirements as well. The Notice Requirement Under New Jersey law, an employer must post and maintain a specific form mandated by the state’s Commissioner…

Expect that the Workers’ Compensation Insurer Will Try to Deny Your Claim

When you’ve been injured on the job and it’s obvious that the injury was caused by some careless or negligent act by your employer or a co-employee, it can come as a shock to have the workers’ compensation insurance provider initially reject your claim—but it shouldn’t. Insurance companies make their money by minimizing the amount…

Can Your Employer Terminate Your Health Insurance Benefits If You Are Collecting Workers’ Compensation Payments?

Under New Jersey’s workers’ compensation laws, you are entitled to payment of all “necessary and reasonable medical expenses” resulting from a work-related injury, including medication and hospitalization, as well as payment based on your disability. If you have job-related health insurance, can your employer terminate that insurance during any period when you are unable to…