Worker's Compensation
If you sustain an injury while working for an employer, the
compensation laws of NJ say that you have certain rights to medical
compensation- but these rights may need protecting.
An injured worker may be entitled to any and all necessary and
reasonable medical care as a result of his or her work- related injury.
Worker’s compensation laws generally include: medical, surgical and
hospital services, dental services, crutches, hearing aids, chiropractic
treatment, physical therapy, nursing care, and prescribed medications.
These laws may also include the right to have medical treatment at the
employer’s expense including the right to continue treatments until the
injury is healed.
Who is responsible for providing the benefits under the Workers
Compensation Act?
 According to the state laws, most
employers, carry some type of Workers'
Compensation Insurance. Sometimes,
an employer may provide benefits
directly, if they are self- insured.
Is workers compensation the same as State Disability?
Workers' compensation is for injuries or illnesses that happened
because of employment. State Disability is for injuries or illnesses that
may or may not be entirely work related.
Are all on-the-job injuries covered by workers compensation?
Do all workers qualify?
 Workers compensation can cover most
injuries but not all on-the-job injuries.
The workers compensation system is
designed to give benefits to injured
workers, regardless of whether the injury
is caused as a result of employment or
the employee’s actions.
What workers are covered by the Act?
Employees are usually covered while working in another state or if they
are injured while working in another state for an employer whose main
place of business is in their home state.
 If there is no Workers' Compensation coverage, an employer may be
sued by an injured worker for medical and
disability costs, plus damages.
State workers' compensation coverage, federal
government employees and employees of the
federal government all receive workers'
compensation benefits under a separate federal
law.
What injuries are covered by the Act?
If your injury is job-related, it's covered.
If you are injured while traveling for business, doing a work-related
errand or even attending a required business- related social functionyou
are covered.
What should I do if I am injured on the job?
 If you are injured on the job, you must seek
emergency medical attention.
You must Immediately report this to your
employer.Notification MUST be made in set time
by state law.
How much time after an injury do I have to report it to my
employer?
Immediately. Your injury or illness must be known to your supervisor.
To be eligible for benefits, in most states you must report the injury
within 30 days.
Does an injury have to have a specific date to be covered?
 No. Many workers get compensation for
repetitive trauma injuries such as back
problems caused by overuse or misuse over a
long period of time from on the job duties.
Sometimes symptoms of injuries reveal
themselves over a period of time, a worker
might have an eventual diagnosis of the injury
as being work-related.
IT IS IMPORTANT TO CONSULT THE ATTOREYS AT FUSCO AND MACALUSO TO
GUARD AND PROTECT YOUR RIGHTS UNDER THE LAW.
CALL 973-779-1163.
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