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 of the Department of Banking and Insurance. The notice must be conspicuously displayed in the workplace, and must notify employees that the employer has either obtained a policy of workers’ compensation insurance or has successfully obtained permission to be self-insured. The notice most identify the name of workers’ compensation insurance provider, as well as information as to how to contact that provider.
The Establishment of Clear Procedures
The employer must also communicate to any worker, upon hire and on a regular basis thereafter, the nature of the workers’ compensation benefits available; how to report an injury and initiate a workers’ compensation claim; and where the employee must seek medical care in the event of a work-related injury. This requirement can be met by obtaining a brochure available from the New Jersey Division of Workers’ Compensation.
Reporting a Work Accident
An employer must immediately notify the workers’ compensation insurance carrier after learning of any workplace injury. The carrier must then submit a “First Report of Injury” to the state of New Jersey. After the injured worker has returned to work or has reached what is known as “maximum medical improvement,” the workers’ compensation insurance provider has 26 weeks to file a “Subsequent Report of Injury.”
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We handle all workers’ compensation cases on a contingency basis. There will be no attorney fees unless we get compensation for your losses.