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AN EMPLOYER’S GUIDE TOWORKERS’ COMPENSATION
IN NEW JERSEY
I. WHAT IS WORKERS’ COMPENSATION? ................................ 2
II. WORKERS’ COMPENSATION BENEFITS ................................ 3
III. INSURANCE REQUIREMENTS ................................................... 4• Types of Coverage• Definitionof“Employee”• ObtainingWorkers’CompensationCoverage• InsurancePremiumRates• WhataWorkers’CompensationPolicyCovers• PenaltiesforFailuretoInsure
IV. BEFORE AN INJURY OCCURS .................................................... 9• PostingNotice• EstablishClearProceduresforEmployeesandManagers
V. REPORTING WORK ACCIDENTS AND OCCUPATIONAL EXPOSURES ......................................... 10
VI. HOW TO REDUCE WORKERS’ COMPENSATION COSTS .............................11
• EstablishaSafetyProgram• EstablishReturn-to-WorkPrograms• EstablishandMaintainGoodCommunicationwithYourInjuredEmployees• EnsurePromptTreatmentfromtheRightMedicalProviders
VII. CLAIM PETITIONS IN WORKERS’ COMPENSATION ...... 13
VIII. WHAT ELSE DOES AN EMPLOYER NEED TO KNOW? ..... 14• DiscriminationComplaints• SecondInjuryFund• Workers’CompensationWebsite• ContactsforQuestions
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I. WHAT IS WORKERS’ COMPENSATION?
Workers’compensationisa“nofault”insuranceprogramthatprovidesmedicaltreatment,wagereplacement,andpermanentdisabilitycompensationtoemployeeswhosufferjob-relatedinjuriesorillnesses.Italsoprovidesdeathbenefitstodependentsofworkerswhohavediedasaresultoftheiremployment.Aninjuredemployeewillreceivebenefitsregardlessofwhowasatfault.Inexchangefortheseguaranteedbenefits,theworkerdoesnothavetherighttobringacivilactionagainsttheemployerforpainandsufferingorotherdamages,exceptincasesofintentionalacts.
TheDivisionofWorkers’CompensationisresponsiblefortheadministrationoftheNewJerseyWorkers’CompensationAct(N.J.S.A.34:15-1et seq.).Thisisaccomplishedby:
• ensuringthatworkersreceivefairandtimelyworkers’compensationbenefitsforwork-relatedinjuriesfromtheiremployersand/orinsurancecarriers;
• enforcingthelawthatrequiresemployerstosecureworkers’compensationinsurancecoveragefromcommercialinsurancecarriersorself-insuranceprograms;
• providingcertainbenefitpaymentstoinjuredworkerswhoaretotallyandpermanentlydisabledasaresultoftheirlastwork-relatedinjurycombinedwiththeworker’spre-existingdisabilities.Thesebenefitscommenceattheconclusionofthepaymentofbenefitsfromtheworker’semployer.
TheDivisionofWorkers’Compensationdoesnothavejurisdictionoverinsurancepremiumratesetting.ThatresponsibilityfallsunderthejurisdictionoftheCompensationRatingandInspectionBureauoftheDepartmentofBankingandInsurance.
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II. WORKERS’ COMPENSATION BENEFITS
Medical Benefits:Necessaryandreasonablemedicaltreatment,prescriptions,andhospitalservicesrelatedtotheworkinjuryarepaidbytheemployer’sinsurancecarrierordirectlybytheemployerifself-insured.Theemployerand/oritsinsurancecarrierhavetherighttodesignatemedicalprovidersforallwork-relatedinjuries.
Temporary Total Benefits:Ifaninjuredworkerisdisabledforaperiodofmorethansevendays,heorshewillbeeligibletoreceivetemporarytotalbenefit,retroactivetothefirstdayoflosttime.Thebenefitwillbepaidatarateof70%oftheworker’saverageweeklywage,nottoexceedthestatutorymaximumrateorfallbelowthestatutoryminimumrateestablishedannuallybytheCommissionerofLaborandWorkforceDevelopment.Thesebenefitsareprovideduntiltheworkerhasreturnedtowork,hasreachedmaximummedicalimprovement,orhasreachedthestatutory400-weekmaximum.
Permanent Partial Benefits:Whenajob-relatedinjuryorillnessresultsinapermanentbodilyimpairment,benefitsarebasedontheindividual’sfunctionalloss.Thesebenefitsarepaidweeklyandaredueafterthedatetemporarydisabilityends.
Permanent Total Benefits:Whenaworkinjuryorillnesspreventsaworkerfromreturningtoanytypeofgainfulemployment,heorshemaybeentitledtoreceivepermanenttotaldisabilitybenefits.Theseweeklybenefitsareprovidedinitiallyforaperiodof450weeks.Benefitscontinuebeyondtheinitial450weeksprovidedthattheinjuredworkerisabletoshowthatheorsheremainstotallydisabled.Thebenefitsarepaidweeklyandarebasedupon70%oftheaverageweeklywage,nottoexceedthestatutorymaximumorfallbelowthestatutoryminimum.
Death Benefits:Dependentsofaworkerwhodiesasaresultofawork-relatedinjuryorillnessmaybeeligibletoreceivedeathbenefitsandfuneralexpensesupto$3,500.Theweeklybenefitsare70%ofthewageofthedeceasedworker,nottoexceedthestatutorymaximum.
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III. INSURANCE REQUIREMENTS
• TYPES OF COVERAGENewJerseylawrequiresthatallNewJerseyemployersnotcoveredbyfederalprogramshaveworkers’compensationcoverageorbeapprovedforself-insurance.Evenout-of-stateemployersmayneedworkers’compensationcoverageifacontractofemploymentisenteredintoinNewJerseyorifworkisperformedinNewJersey.Coveragemaybeobtainedinoneoftwoways:
Workers’ Compensation Insurance PolicywrittenbyamutualorstockcarrierauthorizedtowriteinsuranceinNewJersey.Premiumsforsuchinsurancearebasedontheclassification(s)oftheworkbeingperformedbyemployees,theclaimsexperienceoftheemployer,andthepayrolloftheemployer.
Self-InsurancethroughapplicationtoandapprovalbytheCommissioneroftheDepartmentofBankingandInsurance.Approvalforself-insuranceisbaseduponthefinancialabilityoftheemployertomeetitsobligationsunderthelawandthepermanenceofthebusiness.Thepostingofsecurityforsuchobligationsmayberequired.
Aself-insuredemployerhastheoptionofadministeringitsownworkers’compensationclaimsorcontractingwithathird-partyadministrator(TPA)toprovidetheseservices.Formoreinformationaboutself-insurance,pleaserefertoN.J.S.A.34:15-77oftheNewJerseyWorkers’CompensationstatuteorcontacttheDepartmentofBankingandInsuranceat(609)292-5350, ext.50099.
Note:Governmentalagenciesarerequiredtoprovideworkers’compensationbenefitstotheiremployeesbutarenotrequiredtopurchaseinsuranceorreceiveapprovalasaself-insurer.Theygenerallyeither1)obtainaninsurancepolicy,2)participateinaninsurancepool,or3)maintainaseparateappropriationforworkers’compensation.
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The following employing entities must have workers’ compensation insurance in effect:
Corporations –AllcorporationsoperatinginNewJerseymustmaintainworkers’compensationinsuranceorbeapprovedforself-insurancesolongasanyoneormoreindividuals,including corporate officers, performservicesforthecorporationforprior,currentoranticipatedfinancialconsideration.*
Partnerships/LLCs – Allpartnershipsandlimitedliabilitycompanies(LLCs)operatinginNewJerseymustmaintainworkers’compensationinsuranceorbeapprovedforself-insurancesolongasanyoneormoreindividuals,excluding partners or members of the LLC, performservicesforthepartnershiporLLCforprior,currentoranticipatedfinancialconsideration.*
Sole Proprietorship – AllsoleproprietorshipsoperatinginNewJerseymustmaintainworkers’compensationinsuranceorbeapprovedforself-insurancesolongasanyoneormoreindividuals, excluding the principal owner, performsservicesforthebusinessforprior,currentoranticipatedfinancialconsideration.*
*Financialconsiderationmeansanyremunerationforservicesandincludescashorotherremunerationinlieuofcashsuchasproducts,services,sharesoforoptionstobuycorporatestock,mealsorlodging,etc.
• DEFINITION OF “EMPLOYEE”TheNewJerseyWorkers’CompensationActisliberallyinterpretedwithrespecttothedefinitionof“employee”andisbroaderthantheInternalRevenueCodeandUnemploymentCompensationstatute.Avarietyofworkingrelationshipshavebeendeterminedtobethatofanemployer-employee,includingsomethatwouldnotappeartobeatypicalemploymentsituation.Further,acontractorotheragreementastowhetheranindividualisanemployeeisnotbindingindeterminingwhetheranemployee–employersituationispresent.
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NewJerseycourts,indecidingthisissue,havedevelopedtwotests:the“controltest”andthe“relativenatureoftheworktest.”
Underthe“controltest,”therelationshipbetweenabusinessandtheindividualisreviewed.Thereisemploymentifthebusinessretainstherighttosupervisetheindividualandcontrolwhatisdoneaswellashowitshallbedone.
Underthe“relativenatureoftheworktest,”thereisemploymentifanindividualreliesonincomefromthebusinessandtheworkperformedbytheindividualisanintegralpartoftheactivitiesofthebusiness.
Ifanyorbothofthesetestsaremet,anemployee–employerrelationshipisestablished.
• OBTAINING WORKERS’ COMPENSATION COVERAGETheNewJerseyCompensationRatingandInspectionBureau(NJCRIB),anagencyintheNewJerseyDepartmentofBankingandInsurance,isresponsibleforestablishingandmaintainingregulationsandpremiumratesforworkers’compensationandemployers’liabilityinsurance.
Workers’compensationinsurancecoveragecanbeobtainedfromanyofthemorethan400privatelicensedinsurancecompaniesauthorizedtosellworkers’compensationpoliciesinNewJersey.Apolicycanbepurchaseddirectlyfromaninsurancecarrier,aninsuranceagent,oraninsurancebroker.Forassistancewithobtainingcoverage,pleasecontact:
NewJerseyCompensationRatingandInspectionBureau60ParkPlaceNewark,NJ07102www.njcrib.com(973)622-6014
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• INSURANCE PREMIUM RATESTheprimarydeviceusedtodetermineworkers’compensationinsurancepremiumsistheclassificationsystem,whichgroupsNewJerseybusinessesintovariousclassifications.Thepurposeofthissystemistobringtogether,withineachclassification,employersengagedinthesametypeofbusiness.Accompanyingeachclassificationisaratethatrepresentstheaveragework-injuryexperienceforthatclassification.Thisrateisadjustedannuallyaccordingtothelatestavailablework-injuryexperiencedata.
Itisalsorecognizedthatnotwoemployers,althoughtheymaybeinthesamebusiness,haveexactlythesameoperationsoridenticalconditionsofemployment.Withinanygivenclassification,thereareemployerswithbetter-than-averageworkinjuryexperienceandthosewithworse-than-averageworkinjuryexperience.Toaccountforsuchdifferences,anadditionalrefinementtotheclassificationsystemisofferedthroughanotherprogramknownastheExperienceRatingPlan.Inthisplan,anemployer’sownworkinjuryexperienceisusedtomodifyitspremium,higherorlower,bycomparingittotheaveragework-injuryexperienceofallemployersintheclassificationtowhichtheemployerisassigned.
Formoreinformationonhowratesareestablished,youmaywishtovisitNJCRIB’sWebsite: www.njcrib.com.
• WHAT A WORKERS’ COMPENSATION POLICY COVERSAworkers’compensationpolicycoversthefollowing:
For injured employees:•Reasonablemedicalservicesnecessarytotreatthejobinjuryorillness•Temporarydisabilitybenefitstohelpreplacelostwagesupto statutorymaximum•Permanentdisabilitybenefitstocompensateforthecontinuedeffectsoftheinjury•Burialanddeathbenefitsfordependentsincasesoffatalinjury
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For employers: •Coverageoffinancialliabilitiesforwork-relatedinjuriesandillnesses
•Legalrepresentation
• PENALTIES FOR FAILURE TO INSURETheconsequencesforfailuretoprovideworkers’compensationcoveragecanbeverysignificant,evenwithoutawork-relatedinjury.Specifically,thelawprovidesthatfailingtoinsureisadisorderlypersonsoffenseand,ifdeterminedtobeknowing,acrimeofthefourthdegree.Moreover,penaltiesforsuchfailurecanbeassessedupto$5,000forthefirst10dayswithadditionalassessmentsof$5,000foreach10-dayperiodoffailuretoinsurethereafter.Inthecaseofacorporation,liabilityforfailuretoinsurecanextendtothecorporateofficersindividually.Penaltiesassessedforfailuretoinsurearenotdischargeableinbankruptcy.
Whereawork-relatedinjuryordeathhasoccurred,theemployer,includingindividualcorporateofficers,partnersormembersofanLLC,isdirectlyliableformedicalexpenses,temporarydisability,andpermanentdisabilityordependencybenefits.Inadditiontoawardsformedicalexpensesandotherbenefits,NewJerseylawalsoprovidesforcivilpenaltiesagainsttheemployeranditsofficerswherefailuretoinsureisdetermined.Awardsandpenaltiesarisingfromtheseclaimscanbecomeliensagainsttheuninsuredemployeranditsofficers,whicharegenerallyenforceableintheNewJerseySuperiorCourtagainstanyassetsbelongingtotheuninsuredemployeranditsofficers.
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IV. BEFORE AN INJURY OCCURS
• POSTING NOTICENewJerseylawrequireseveryemployertopostandmaintain,inaconspicuousplaceorplacesinandabouttheworksite,aformprescribedbytheCommissioneroftheDepartmentofBankingandInsurance,statingthattheemployerhassecuredworkers’compensationinsurancecoverageorhasqualifiedwiththeDepartmentofBankingandInsuranceasaself-insuredemployer.
Forinsuredemployers,thenoticemustincludethenameoftheinsurancecarrierandotheritemsasrequiredbytheDepartmentofBankingandInsurance.Toobtaincopiesofthisnotice,employersshouldcontacttheirinsurer.
HOW UNINSURED EMPLOYERS ARE IDENTIFIED
Stateemployerrecordsarecompared,or“cross-matched,”withthedatabaseattheDepartmentofBankingandInsurance’sCompensationRatingandInspectionBureau(NJCRIB)onaregularbasistoidentifyuninsuredemployers.
Whenanemployerisidentifiedthroughthiscross-matchasapossiblyuninsuredemployer,aletterandacross-match response formisissued.Mandatoryinsuranceshouldbeimmediatelyobtainedifanemployerisuninsuredandverificationofinsurancemustbeprovided.Penaltiesmaystillbeassessedforfailuretohaveinsuranceatthetimeofthecross-match.
Ifyouareanemployerthathasinsuranceandhasreceivedthisform,youshouldprovidetheinformationrequestedaboutyourworkers’compensationcoverageassoonaspossibletoensurethatpenaltiesarenotimproperlyassessedagainstyou.
Also,ifyouareawareofanuninsuredemployer,youmayprovidethisinformationtotheDivisionofWorkers’Compensationbye-mail([email protected]),bycalling(609)292-0165orbycompletingandsubmittinga“ReportofNon-Compliance”form,availableontheWebsiteoftheDivisionofWorkers’Compensation.Youneednotidentifyyourselfbutyoushouldbepreparedtoprovidethenameandexactaddressoftheemployerand,ifpossible,thenamesoftheprincipleoperatorsofthebusiness.
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• ESTABLISH CLEAR PROCEDURES FOR EMPLOYEES AND MANAGERS Atthetimeofhireandperiodicallythereafter,employeesshouldbeprovidedthefollowinginformation: •Anexplanationoftheirworkers’compensationcoverageand
benefits •How,when,andtowhomtoreportaninjury •Wheretogoformedicaltreatmentifinjuredwhileworking
TheDivisionofWorkers’Compensationhasageneralbrochureonworkers’compensationavailableforinjuredworkers,called“AWorker’sGuidetoWorkers’Compensation.”Thebrochure,whichcanbedownloadedfordistributiontoemployeesfromthedivision’sWebsite (www.nj.gov/labor/wc),isavailableinEnglishandSpanish.
V. REPORTING WORK ACCIDENTS AND OCCUPATIONAL EXPOSURES
Everyworkaccidentoroccupationalexposureshouldberecordedonanaccidentreportform.Suchdocumentationshouldpromptanimmediateinvestigation,whichnotonlyassistsindeterminingthecauseoftheaccidentorexposure,butisalsoimportantinthepreventionoffutureaccidents.
Whenanemployerreceivesnoticeaboutawork-relatedaccidentoroccupationalexposure,itshouldnotifyitsinsurancecarrierorthird-partyadministrator(TPA)immediatelysothataFirstReportofInjuryformcanbefiledbythecarrierorTPAwiththestateofNewJersey.Thisform,whichisfiledelectronically,givestheDivisionofWorkers’Compensationinitialinformationabouttheworkaccidentorexposureandanyresultinginjuries.AcopyofthisreportissentbythecarrierorTPAtotheemployerforverificationoftheinformationsubmitted.
Within26weeksaftertheworkerhasreachedmaximummedicalimprovementorhasreturnedtowork,theinsurancecarrierorTPAmustelectronicallyfileasecondreport,calledaSubsequentReportofInjury,withthestate.Informationfromthisreport,includinganexplanationofanybenefitspaidontheclaim,isalsosenttotheinjuredworker.
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VI. HOW TO REDUCE WORKERS’ COMPENSATION COSTS
• ESTABLISH A SAFETY PROGRAMThebestwayforanemployertolowerworkers’compensationcostsistopreventinjuriesfromhappeninginthefirstplace.Involveyouremployeesinidentifyinghazardousworkpracticesandpotentiallyharmfulsituations,areas,orequipment.Safetyteamsandcompanyincentivesplayaroleinreducingcosts.Mostimportantly,managementmustbewillingtolistenandputintopracticeappropriaterecommendations.
Manyinsurancecompaniesofferfreeadvicetopolicyholdersabouthowtoestablishandmaintainsafeworkplaces.YoucanalsousetheNewJerseyDepartmentofLaborandWorkforceDevelopment’sfreeOn-SiteConsultationServicetofindoutaboutpotentialhazardsatyourworksitesandimproveyouroccupationalsafetyandhealthmanagementsystems.Informationonthisservicecanbeobtainedbycontacting:
Mail:NewJerseyDepartmentofLaborandWorkforceDevelopment DivisionofPublicSafetyandOccupationalSafetyandHealth P.O.Box953Trenton,NJ08625
Phone:(609)984-0785
Online:nj.gov/labor, thenselectSafety and Health fromtheleftmenubar.
Note:Ifyouareaself-administeredself-insurerorgovernmentalentity,youwillberequiredtofilethesetworeportsdirectlywiththestate.Formoreinformationonhowtofile,pleasevisittheDivisionofWorkers’Compensation’sElectronicDataInterchange(EDI)Webpageat nj.gov/labor/wc, thenselectEmployer/Insurance Carrier Information, then Electronic Accident Reports/EDI.
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• ESTABLISH RETURN-TO-WORK PROGRAMSCreatingreturn-to-workprogramsthatincludeappropriatelight-dutyormodifiedjobscanencourageworkerstoreturntoemploymentsoonerandlowerbusinesscosts.
Inaddition,employerscanpartnerwithmedicalprofessionalsandmanagedcarespecialiststodesignjobsthatwillnotaggravateorre-injureworkerswhohaverecoveredenoughtoreturntowork,butneedadditionaltimebeforeresumingregularduties.Theemployershouldprovideaninjuredworker’sjobdescriptiontohisorhermedicalcareprovider.Suchinformationmayfacilitateearlyreleaseoftheworkertosometypeofmodifiedduty.
Researchershavefoundthatincompaniesofferingreturn-to-workprograms,workersfeltmoresatisfiedwiththecaretheyreceived.
• ESTABLISH AND MAINTAIN GOOD COMMUNICATION WITH INJURED EMPLOYEESPre-Injury:Frequentlycommunicateworkers’compensation-relatedinformationtoemployeesinplain,straightforwardlanguage.Publicizecompanyproceduresforjob-relatedinjuriesorillnessesandencourageearlyreportingofsuchinjuries.Letworkersknowwhichdoctorstheymustseeforwork-relatedclaims.Whenworkersreceivepriorcommunicationaboutwhattodowhenawork-relatedinjuryorillnessoccurs,theyaremorelikelytofollowtheemployer’sestablishedprocedures. Whenthesameinformationisreceivedafteraninjuryhasalreadyoccurred,employeereactionandresponsemaybelesspositive.
Post-Injury:Employersshouldactivelybecomeinvolvedineveryworkers’compensationcase.Communicateonaregularbasiswithyouremployeeswhoaredisabledwithworkrelatedinjuries.Thecommunication,whetheritisbytelephoneorinperson,shouldbepositiveandupbeat.
Ifyourcompanyconductsanaccidentinvestigation,keepinmindthatanimportantpurposeofsuchaninvestigationshouldbetodeterminehowtheaccidentoccurredsothatsuchoccurrencescanbepreventedinthefuture.
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Studieshaveshownthatpriorcommunicationandpost-injurydemonstrationsofconcernbytheemployercanresultinhigherlevelsofworkersatisfactionandreducedtimelostfromwork—factorsthatcontributetolowerprogramcosts.
• ENSURE PROMPT TREATMENT FROM THE RIGHT MEDICAL PROVIDERSHelpingtheinjuredworkergetimmediatemedicalattentionpaysoffforbothworkerandemployeronseverallevels.Typically,thesoonerinjuredworkersreceivepropertreatment,thesoonertheymayreturntowork.
UndertheNewJerseyworkers’compensationlaw,theemployerand/oritsinsurancecarrierselectthemedicalproviderstotreatinjuredworkersforwork-relatedinjuries.Suchcontrolofmedicaltreatmentisanimportantemployerrightandobligation.
Whenaworkplaceaccidentoroccupationalexposureoccurs,theinjuredworkershouldbeofferedpromptmedicaltreatment.Employersshouldkeepinmindthatprovidingmedicalcoverageisnotconsideredanadmissionofliability(N.J.S.A.34:15-15).
VII. CLAIM PETITIONS IN WORKERS’ COMPENSATION
Employeeswhoareinjuredonthejobmayfileaworkers’compensationclaimpetitionwiththeNewJerseyDivisionofWorkers’Compensation.Issuesmayincludecompensabilityoftheclaim(whethertheinjury/illnessisconsideredworkrelated),thetypeandextentofmedicaltreatment,and/orthepaymentoftemporarydisabilitybenefits.Further,aclaimpetitionmayseekpermanentdisabilitybenefitsand,incasesofallegedjob-relateddeath,dependencybenefits.Workersaregenerallyrepresentedbyanattorneybuttheymayfileaclaimpetitionontheirown(prose).Aninsurancecarrierwillusuallyprovidealegaldefenseonbehalfofacoveredemployer.Ifyouareaself-insuredcorporation,itisrequiredthatyouoryourthird-partyadministratorobtainlegalrepresentationtodefendyourinterests.
Thevastmajorityofclaimpetitionsaresettledbymutualagreementastotheamountofbenefitsdueandextentofdisability.Incaseswhereanagreementisnotreached,aworkers’compensationjudgewillresolvethedisputedissues.
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Aninsurancecarrier,drawingontheirextensiveknowledgeofthelawandtakingintoconsiderationallthepertinentfactsofthecase,canmakeadecisiontoacceptordenyaclaim.Stayawareofwhetherclaimsareinvestigatedtimely,whetherbenefitsarebeingpaidontime,andwhetherclaimsarebeingdisputedoraccepted.Theemployerplaysakeyroleinworkingwiththecarrierandtheinjuredworkertoensurethatthesystemworkssmoothlyandfairly.
VIII. WHAT ELSE DOES AN EMPLOYER NEED TO KNOW?
• DISCRIMINATION COMPLAINTSItisunlawfulforanyemployertodischargeorotherwisediscriminateagainstanemployeebecausetheemployeeclaimedorattemptedtoclaimworkers’compensationbenefitsorbecausetheemployeetestifiedorisabouttotestifyinaworkers’compensationmatter.TheDivisionofWorkers’Compensationisresponsibleforinvestigatingsuchclaims.
• SECOND INJURY FUNDTheSecondInjuryFund(SIF),whichisadministeredbytheDivisionofWorkers’Compensation,makesbenefitpaymentstoinjuredworkerswhoaretotallyandpermanentlydisabledasaresultofwork-relatedinjuriescombinedwithpre-existingdisabilities.
TheSecondInjuryFundwasestablishedtoencourageemployerstohiredisabledworkers.Theemployeronlypaysforthework-relatedaspectofthetotaldisabilityaward.
• DIVISION OF WORKERS’ COMPENSATION WEB SITETheDivisionofWorkers’CompensationmaintainsanInternetWebsitethatcontainsthelatestinformationonNewJerseyworkers’compensation,includinglegalandadministrativeprocedures,formsandbrochures,statisticaldata,andprogramdetails.
TheWebaddressishttp://nj.gov/labor/wc/
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• CONTACTS FOR QUESTIONSIfyouhavequestionsaboutNewJersey’sworkers’compensationprogram,pleasecontact:
New Jersey Department of Labor and Workforce Development Division of Workers’ CompensationP.O. Box 381Trenton, NJ 08625-0381(609) 292-2515Fax: (609) 984-2515 e-mail: [email protected]
Ifyouhavequestionsaboutworkers’compensationinsuranceratesorobtainingcoverage,pleasecontact:
New Jersey Compensation Rating and Inspection Bureau60 Park PlaceNewark, NJ 07102 www.njcrib.com(973) 622-6014
WC-373 (10/11)
New Jersey Department of Labor and Workforce Development Division of Workers’ Compensation
P.O. Box 381Trenton, NJ 08625-0381
(609) 292-2515Fax: (609) 984-2515
e-mail: [email protected]