Hunterdon County Workers’ Compensation Attorneys

New Jersey Workers' Compensation Laws

The workers' compensation system in New Jersey is designed to protect employees who suffer job-related injuries or illnesses. Under New Jersey law, nearly all employers must provide workers' compensation insurance, which covers employees from the very first day of employment. This insurance provides benefits regardless of who was at fault for the injury, meaning that even if the worker’s own negligence contributed to the accident, they are still entitled to compensation.

To be eligible for workers' compensation benefits in New Jersey, you must:

• Be classified as an employee (independent contractors may not be eligible).
• Have sustained an injury or illness directly related to your work.
• Report the injury to your employer within 90 days of the incident. Failing to meet this deadline can result in the denial of your claim.

Workers' compensation covers a range of expenses related to workplace injuries, including:

• Medical treatment
• Temporary or permanent disability benefits
• Compensation for lost wages
• Death benefits to dependents if a worker dies from a work-related injury

Common Types of Workplace Accidents

Workplace accidents come in many forms and can happen in any industry. Some of the most common workplace accidents in Hunterdon County include:

• Slip and Falls: Slip and fall accidents are frequent in many industries, especially in environments like construction sites, warehouses, and even office settings where spills or obstacles may not be properly managed.
• Construction Accidents: Construction workers face a high risk of injury due to the hazardous nature of their jobs. Common accidents include falls from scaffolding, being struck by heavy machinery, and electrocutions.
• Repetitive Stress Injuries: Long-term repetitive motions, such as typing, lifting, or operating machinery, can lead to chronic conditions like carpal tunnel syndrome or tendonitis. These injuries develop over time but are just as compensable under workers’ compensation laws.
• Motor Vehicle Accidents: If your job requires driving, you are at risk of being involved in a motor vehicle accident while on duty. These accidents can result in significant injuries and may entitle you to workers' compensation benefits.
• Exposure to Hazardous Substances: Workers in certain industries, such as manufacturing or chemical plants, may be exposed to harmful substances like asbestos or toxic chemicals, which can cause long-term health problems such as lung disease or cancer.
• Machinery-Related Injuries: Workers operating heavy machinery or tools are at risk of accidents such as amputations, crush injuries, or burns. These accidents are often severe and can lead to permanent disability.

Reasons Your Benefits Could Be Denied

Although workers' compensation is a no-fault system, there are instances where claims may be denied. Understanding the reasons for denial is critical so you can take steps to prevent this from happening or to appeal the decision.

Failure to Report the Injury on Time

As mentioned earlier, New Jersey law requires that workplace injuries be reported within 90 days of the incident. Failing to report your injury within this time frame can result in a denial of your benefits.

Disputes Over Whether the Injury is Work-Related

Employers and insurance companies may argue that your injury did not occur on the job or was not related to your employment. This is particularly common in cases involving repetitive stress injuries or illnesses caused by toxic exposure.

Insufficient Medical Documentation

Insurance companies require detailed medical documentation to verify the extent of your injury. If your records are incomplete or do not adequately show that the injury was work-related, your claim may be denied.

Pre-Existing Conditions

If you have a pre-existing condition, the insurance company may argue that your injury was not caused by work, but rather by your prior medical history.

Engaging in Unsafe Conduct

If the employer or insurance company can prove that your injury occurred because you were engaging in unsafe behavior—such as violating company safety protocols or being under the influence of drugs or alcohol—your claim may be denied.

Why You Need an Experienced Workers' Compensation Lawyer

At Levinson Axelrod, P.A., we understand that recovering from a workplace injury can be overwhelming. Our team of skilled attorneys is here to guide you through the complex workers' compensation system and fight for your rights. Whether your claim has been wrongfully denied, or you are facing challenges in receiving full compensation, we will advocate for you from start to finish.

Contact us today at (732) 440-3089 to learn how we can help.