What is Workers’ Compensation Insurance?
Employees who sustain injuries or illnesses at work are legally entitled to obtain compensation for the medical bills, lost earnings, and permanent disabilities. The workers’ compensation program, a department of the New Jersey Department of Labor and Workforce Development, is responsible for offering these benefits. While the system is meant to be straightforward, understanding its workings can significantly enhance your chances of timely and seamless recovery of the benefits.
If you have been injured in the workplace, you need to consult a trusted law firm in New Jersey that specializes in workers’ compensation cases. Our lawyers can help injured workers understand their rights and ensure that they receive the full benefits they are entitled to. If you’re looking to better understand the system and how it works, here are valuable insights from the Cherry Hill workers’ compensation lawyers at Matarazzo & Lubcher.
New Jersey Workers’ Compensation Insurance
In New Jersey, workers’ compensation insurance denotes a no-fault insurance system that covers employees who sustain injuries or illnesses at the workplace. No-fault means that employees should receive benefits for occupational illnesses or injuries without needing to prove that the employer was at fault or negligent.
The workers’ compensation insurance system ensures that workers receive timely medical care and financial support, while also protecting employers from lawsuits. The no-fault nature of workers’ compensation should simplify the process, allowing for quicker resolution and support for injured workers.
Laws Governing Workers’ Compensation Insurance in New Jersey
New Jersey’s workers’ compensation system, is governed by the New Jersey Workers’ Compensation Act (NJSA 34:15-1). This law outlines employers’ obligations to provide coverage and workers’ rights to receive benefits when injured or ill due to their jobs. The Act also governs how claims are processed, the time limits for filing, and the types of compensation available.
Employers who are not under any federal insurance program are required by law to have this insurance, regardless of the number of employees or the type of industry. This includes sole proprietorships, partnerships/LLCs with one or more workers (excluding partners or LLC members), and companies with one or more workers (including corporate officers). Also, employers from outside the state must provide workers’ compensation coverage for their employees working in New Jersey.
While these laws are meant to protect workers, understanding the fine print can be difficult. Workers who are unfamiliar with the law may miss out on critical benefits or make mistakes that delay their claims. A workers’ compensation lawyer at Matarazzo & Lubcher can help break down these laws in easy-to-understand terms so you are fully aware of your rights.
Contact a Workers’ Compensation Lawyer in Cherry Hill, New Jersey
NJ workers’ compensation claims can be complicated, especially when insurers deny claims or employers retaliate against employees who file them. For these reasons, it is highly advisable to retain the experience of a Cherry Hill workers’ compensation lawyer to help you secure the full benefits you’re entitled to under New Jersey law. At Matarazzo & Lubcher, we have immense experience dealing with workers’ compensation cases and can guide you through the process. Call us at (856) 388-5213 to schedule a free consultation.
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