Workers’ compensation provides benefits to employees who get hurt on the job. In New Jersey, workers must report injuries as soon as possible to protect their right to benefits. Understanding the rules and acting quickly can make a big difference.
Reporting deadlines and why they matter
New Jersey law requires workers to report a job-related injury to their employer within 90 days. Waiting too long makes it harder to prove that the injury happened at work. Employers and insurance companies may question the claim if much time has passed, while prompt reporting can ensure that medical treatment and wage replacement benefits start sooner.
Some injuries, like broken bones, are obvious, and someone should report them immediately. Others, such as repetitive stress injuries, may take time to develop. In these cases, workers should report symptoms as soon as they connect them to their jobs. Prompt reporting creates a clear record of when and how the injury occurred.
Consequences of late reporting
Failing to report an injury on time can lead to serious problems. For instance, an employer may argue that the injury happened outside of work. Likewise, the insurance company may deny the claim, leaving the worker without medical coverage or lost wages. Even if the claim eventually gets approval, delays can slow down the process.
Late reporting can also affect medical care. Doctors rely on accurate records to provide the right treatment. If there is a delay in reporting, it may be harder to connect the injury to the workplace. This can impact the type of care the worker receives and whether the worker gets full coverage for the cost of care.
Workers benefit by reporting injuries as soon as they happen. Quick action helps protect their rights and helps them get the benefits they need.