If you have experienced an injury due to the nature of your job, you may be eligible for payment for lost wages, medical expenses and more through your employers’ workers’ compensation insurance policy.
Unfortunately, an insurance provider may not approve your claim if you do not provide detailed documentation of your injury and your ongoing recovery.
1. Report your injury early
An insurer may reject your claim by arguing that your injury was not work-related. Even if an incident seems minor at first, it is important to report it to your employer to establish a record of your injury. Keep in mind that you may have a limited time after an injury to file a claim.
2. Seek medical attention
In New Jersey, you must visit a physician approved under your employer’s insurance carrier to be eligible for medical compensation. However, you may visit the provider of your choice if your injury requires emergency care or if your employer refuses to cover treatment.
3. Follow through with physician recommendations
An insurance provider may also deny WC coverage if the company believes your injury is not as severe as you claim. Following physician treatment plans and documenting all medical records related to your recovery may help to ensure you receive the compensation you need.
You may have already received a WC denial. However, this may not mean that you do not have a valid claim. If you believe an insurer rejected your claim unjustly, you may either file a formal claim petition or an informal hearing with the New Jersey Division of Workers’ Compensation.