Does an employer have to carry workers’ compensation insurance?

On Behalf of | Mar 5, 2021 | Blog, Personal Injury

When you become injured at work, there are many issues that you’re going to have to face. The first is filing for workers’ compensation coverage for your medical bills and time off of work. However, if your New Jersey employer tells you that they don’t have workers’ compensation, you may be wondering what you’re supposed to do.

Is workers’ compensation insurance mandatory?

All employers that are not classified as public must have a private workers’ compensation insurance policy. This can be any state-approved plan or self-insurance plan. If your employer doesn’t have workers’ compensation insurance, then they’re in violation of the law. It may be helpful to contact an attorney to further assist with your case as it can become very confusing.

When you’ve been hurt on the job

If you’ve found yourself injured while on the job, it’s imperative that you advise your superior as quickly as possible. You don’t need to advise them in writing. A simple oral explanation of the situation will suffice. Your employer or their insurance carrier may pick which medical facility you can seek covered treatment from.

Who reports to the workers’ compensation carrier?

When your employer is advised of your injury, they’re the one that is responsible for starting a claim with workers’ compensation. In the event that they do not start a claim, you can contact the insurance carrier directly. Each non-public business is to have their proof of insurance coverage displayed in a prominent location, so you should have access to policy information.

Getting injured while on the job can be a scary and stressful experience. Understanding how workers’ compensation works is a must to ensure that you get the benefits you’re rightfully entitled to. If you have any other questions about workers’ compensation claims, then you may want to consider consulting an attorney to assist you.

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