Rispoli & Borneo, P.C. are dedicated and experienced New Jersey workman’s comp lawyers who are fully prepared to help guide you through your case. Following an accident, you will be left facing injuries and the expense of medical bills and missed time away from work. However, if you were injured while at work, you will likely have the ability to access workers comp. Our New Jersey workman’s comp lawyers are aware that you will probably have a number of questions when facing a work related accident. Rispoli & Borneo, P.C. has taken the liberty of providing you with answers to some of the most frequently asked questions our clients have:
What Is Workers’ Compensation Insurance?
New Jersey workman’s’ comp lawyers know that unless you’ve been injured at work, you likely haven’t given workers comp much thought. Workers’ compensation insurance, also known as work comp, is an insurance policy that covers workers injured on the job. It also includes benefits if something in your workplace makes you sick. This valuable coverage can pay medical bills, lost wages, and other expenses associated with the illness or injury. If you are never able to return to your job, work comp coverage may pay long-term disability benefits. The operation of work comp programs is governed by state law, which varies from state to state.
How Do You Report an On-the-Job Injury?
workman’s comp lawyers in New Jersey will tell you that the first step to filing a claim for workers comp coverage is to notify the employer that you were injured within the time set forth by law. The employer should then provide you with the proper paperwork to complete.
Why Would an Employer Refuse to File a Workers Comp Claim?
There are a number of reasons an employer may refuse to file a workers comp claim with a New Jersey workmans’ comp lawyer:
No coverage: If an employer has failed to follow the law and purchase the required workers’ compensation coverage, filing a claim will bring that to light.
Rate increases: Employers may refuse to file a claim because it might result in higher premiums for workers comp coverage.
Type of injury: Some employers refuse to file a claim if they don’t feel that the damage is severe enough to need medical treatment. Our New Jersey workman’s comp lawyers will tell you that determination should be left to a physician or other medical professional. Some employers also claim that specific categories of injuries, like carpal tunnel or other repetitive motion conditions, are not covered by workers’ compensation. This statement is not valid.
Circumstances: An employer may think that the conditions leading to the injury are not the fault of the company. Therefore, the business may not feel any responsibility to file the claim.
Delay tactics: Our New Jersey workman’s comp lawyer has seen employers refuse to file claims, allow critical deadlines pass and failing to report injuries on time.
Can I File the Claim Myself?
Strict timelines apply when filing for workers compensation because of this, you will need an experienced New Jersey workman’s comp lawyer to help walk you through the process. An employer who refuses to file the initial claim is an employer will likely be difficult at every step.
Get legal advice and representation right from the start. Our capable New Jersey workman’s comp lawyers at Rispoli & Borneo, P.C. are familiar with the process of workers comp and can help guide you through the process.