When New Jersey residents get sick or hurt at work, they’ll need to file a workers’ compensation claim. Workers’ compensation, also known as workers’ or workman’s comp, is a type of insurance that covers lost wages, medical expenses and any rehabilitation costs for individuals who were hurt or injured on the job. The type of coverage that you receive depends on the state in which you live. In order to make the process of obtaining workman’s compensation proceed as smoothly as possible, claimants should start the filing process as soon as possible.
Tips to keep in mind when filing for workers’ compensation
The first thing you should do is see a doctor as soon as possible. If it’s an emergency, go to the emergency room immediately. If it’s a nonemergency situation, you’ll most likely have to go to the hospital or clinic your employer chooses. Doing so will enable you to procure pre-authorization so that the medical costs for your personal injury are covered through workers’ comp.
Be sure to notify your employer you are hurt
Make sure that you report your injury to your employer as soon as possible. Once you’re injured, you only have 90 days to provide your employer with this notification. You can tell your employer in person what happened, but it also makes sense to make sure that you follow that up in writing. Note the date and the time of the injury, and write down who, exactly, you gave the report to.
See a doctor and keep detailed records
When you speak with a doctor, be very specific about what happened. Your doctor needs to know everything about every aspect of your injury so that he or she knows exactly how to treat you. This will help ensure that your medical costs are covered. Make sure that you follow all the doctor’s orders, and keep records of every transaction, including bills, prescriptions and anything else related to your care.
Who can people turn to for help with workers’ compensation claims?
Workman’s compensation claims can feel a little bit overwhelming. People want to make sure that they don’t have to pay for their care. People may benefit by working with attorneys who have experience with filing workers’ comp claims.