Filing a workers’ compensation claim in New Jersey involves specific steps designed to secure the benefits you deserve after a work-related injury. Understanding the procedure ensures you act promptly and safeguard your rights effectively.
Understand when to file
You must file a workers’ compensation claim as soon as you sustain an injury or recognize an illness related to your job. It is essential to notify your employer promptly. State law mandates that you report the injury within 90 days of its occurrence or diagnosis.
Report your injury to your employer
Immediately inform your employer about your injury. Provide clear details regarding how, when, and where the injury took place. This notification creates an official record that initiates the claims process.
Obtain medical treatment
Seek medical attention from an authorized healthcare provider. Typically, the state requires treatment from doctors approved by your employer’s workers’ compensation insurance. Retain all medical documents and bills, as these support your claim.
File the claim form
Complete the Employee Claim Form (Form C-3) to formally request benefits. This form is available through the New Jersey Division of Workers’ Compensation website or from your employer. Submit the form promptly to avoid any delays.
Follow up on your claim
After submission, maintain communication with your employer and the insurance company. Respond promptly to any requests for additional information and attend any required medical examinations. Keep track of all deadlines and documents.
Handle a claim denial
If your claim is denied, you have the right to appeal through the New Jersey Office of Administrative Law. You may request a hearing to present your case and supporting evidence.
Stay informed to protect your claim
Being well-informed about each step enables you to act decisively and maintain control over your claim. Ensure you understand the process thoroughly, and adhere to all deadlines.