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Every business that has employees in New Jersey is required to carry workers' compensation insurance. State law provides some exceptions for employers covered by federal programs and members of limited liability corporations (LLCs), partners in partnerships, and sole proprietors who don't employ other people.
Although the general rule of thumb is that you must report an incident and your injury within 14 days, there are some exceptions to this.
Although the general rule of thumb is that you must report an incident and your injury within 14 days, there are some exceptions to this.
Workers' compensation is a no fault insurance program that provides medical treatment, wage replacement, and permanent disability compensation to employees who suffer job-related injuries or illnesses. It also provides death benefits to dependents of workers who have died as a result of their employment.
A report of the occupational injury/illness should be made with the employer in a timely manner. Employers typically request that employees report occupational injuries/illnesses immediately but no later than 24 to 48 hours after the incident.
Your employer or its workers' compensation insurer must file a First Report of Injury form with the New Jersey Division of Workers' Compensation within 21 days after you provide notice of your injury. If the employer or insurer has not filed this report, you should inquire about it.
If you don't have a workers' comp policy in NJ, you can face: Fines up to $5,000 for each 10-day period that you don't have coverage. Criminal charges, since failing to get insurance is a disorderly person's offense. You can get a fourth-degree charge from the State of New Jersey.
Every business that has employees in New Jersey is required to carry workers' compensation insurance. State law provides some exceptions for employers covered by federal programs and members of limited liability corporations (LLCs), partners in partnerships, and sole proprietors who don't employ other people.
This is important: You have only two years from the date of your injury or the last compensation check you receive (including a medical payment) in which to file a Claim Petition. Even if you apply first for an informal hearing, the clock does not stop running on this two-year time limit.
Accident at work claim time limit: For accidents at work, you will have three years from the date of your workplace accident to claim. Slip, trip or fall accident: Injuries that occur from a slip, trip or fall have a three-year time limit from the date of accident.