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Workers' Compensation FAQs

Frequently Asked Questions

Q:

What is workers' compensation?

A:

The system that compensates workers for injuries received on the job.

Q:

How do I know whether I am covered by workers' compensation?

A:

If you are employed in the state of New Jersey your employer is required to have workers' compensation insurance.

Q:

If an employee is receiving workers' compensation benefits, but returns to work, does the employee still get to receive workers' compensation benefits?

A:

You get temporary benefits until you have reached your maximum recovery. If there is a permanent injury, you can recover benefits for the lost use of the injured part of your body

Q:

I still have some questions about workers' compensation insurance coverage and whether I should sue for injuries. What should I do?

A:

Talk to an attorney who specializes in workers' compensation.

Q:

Are all work-related injuries covered by workers' compensation?

A:

Yes.

Q:

Does workers' compensation cover just my medical bills?

A:

No, it also covers a permanent injury.

Q:

Are all employees covered by workers' compensation?

A:

Yes unless you own the business. Then it depends.

Q:

I use contractors or volunteers. Do I still need workers' compensation insurance for them?

A:

Yes.

Q:

What type of penalty could I face if I don't carry workers' compensation insurance?

A:

Very serious ones including the cost of the recovery of the injured employee as well as other penalties.