{"id":375080,"date":"2016-10-26T11:50:05","date_gmt":"2016-10-26T16:50:05","guid":{"rendered":"https:\/\/ability-fl-prod.internetbrands.com\/ability-law\/state\/new-jersey-law\/new-jersey-workers-compensation-laws.html"},"modified":"2026-10-06T10:30:06","modified_gmt":"2026-10-06T15:30:06","slug":"new-jersey-workers-compensation-laws","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/new-jersey-law\/new-jersey-workers-compensation-laws.html","title":{"rendered":"New Jersey Workers&#8217; Compensation Laws"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-28f84493 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n<div class=\"fl-page-articles fl-section-main fl-section-main-full-width\"><h1 class=\"fl-no-margin-top\">New Jersey Workers&#039; Compensation Laws<\/h1>\n\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/christie-nicholson-j-d\/\">Christie Nicholson, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/catherine-hodder-esq\/\">Catherine Hodder, Esq.<\/a>\n                | Last updated\n        <time>\n                            October 06, 2026\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n\n\n<div class=\"fl-key-takeaways fl-mb30\" data-testid=\"fl-key-takeaways\">\n    <div class=\"fl-card-content\">\n        <div class=\"fl-card-body fl-card-bg-teal fl-flex fl-flex-column\">\n                            <h2 class=\"fl-card-title fl-h2 fl-no-margin\">Key Takeaways<\/h2>\n                        <p>New Jersey workers&#8217; compensation is a state-mandated insurance program that provides medical care, wage replacement, and disability benefits to employees who suffer job-related injuries or occupational illnesses. This system ensures injured workers receive necessary medical treatment and financial support while protecting employers from costly civil lawsuits.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"fl-rich-text\">\n<div><p>Most people manage to work their entire lives without suffering a <span data-term-id=\"53091358\">workplace injury<\/span>, but others aren\u2019t so fortunate. The majority of <a href=\"https:\/\/corporate.findlaw.com\/human-resources\/workplace-injuries.html\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"53091358\">workplace injuries<\/span><\/a> are minor, with <span data-term-id=\"53091335\">injured workers<\/span> missing only a few days of work. However, serious injuries do occur and can require extensive <span data-term-id=\"53091334\">medical treatment<\/span>. In these situations, the employee can file a <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/the-workers-compensation-claim-process.html\"><span data-term-id=\"53091341\">workers\u2019 compensation claim<\/span><\/a>.<\/p>\n<p>Workers\u2019 compensation provides employees with <span data-term-id=\"53091343\">medical care<\/span> and weekly replacement wages. This lets the employee focus on getting better instead of worrying about whether their job is safe.<\/p>\n<p>If your company\u2019s <a href=\"https:\/\/www.findlaw.com\/smallbusiness\/liability-and-insurance\/workers-compensation-faq.html\"><span data-term-id=\"53091333\">workers\u2019 compensation <\/span><span data-term-id=\"53091336\">insurance<\/span><\/a><span data-term-id=\"53091336\"> carrier<\/span> approves your claim, it will pay your <span data-term-id=\"53091356\">medical expenses<\/span> and your replacement wages. This will continue until you return to work or reach \u201c<span data-term-id=\"53091381\">maximum medical improvement<\/span>.\u201d<\/p>\n<p>This article examines and explains <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation.html\">workers\u2019 compensation<\/a> laws in the <span data-term-id=\"53091349\">state of New Jersey<\/span>. It also discusses the benefits you\u2019ll receive and what to expect when your workers\u2019 comp claim ends.<\/p>\n<p>If you\u2019ve suffered a workplace accident or <span data-term-id=\"53091391\">occupational disease<\/span>, consider contacting an <a href=\"https:\/\/lawyers.findlaw.com\/workers-compensation-law\/new-jersey\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">experienced <span data-term-id=\"53091332\">New Jersey workers\u2019 compensation<\/span> lawyer<\/a>. They\u2019ll ensure that the <span data-term-id=\"53091336\">insurance carrier<\/span> handles your claim properly and fight to get you the benefits you deserve.<\/p>\n<h2>Who Is Eligible for Workers\u2019 Compensation in New Jersey?<\/h2>\n<p>According to the <span data-term-id=\"53091363\">New Jersey <\/span><span data-term-id=\"53091338\">Division of Workers\u2019 Compensation<\/span>, almost all workers in the Garden State are eligible for <span data-term-id=\"53091373\">workers\u2019 comp benefits<\/span>. <span data-term-id=\"53091345\">New Jersey workers\u2019 compensation<\/span><span data-term-id=\"53091345\"> laws<\/span> require that employers with one or more employees maintain <span data-term-id=\"53091352\">workers\u2019 compensation coverage<\/span>.<\/p>\n<p>This requirement under the <a href=\"https:\/\/codes.findlaw.com\/nj\/title-34-labor-and-workmens-compensation\/nj-st-sect-34-15-1\/\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"53091332\">New Jersey <\/span><span data-term-id=\"53091372\">Workers\u2019 Compensation<\/span><span data-term-id=\"53091372\"> Act<\/span><\/a> applies to companies with <span data-term-id=\"53091379\">full-time<\/span>, part-time, and seasonal workers. Some categories of workers aren\u2019t eligible for <span data-term-id=\"53091373\">workers\u2019 comp benefits<\/span>. Those who fall into the following categories don\u2019t <a href=\"https:\/\/codes.findlaw.com\/nj\/title-34-labor-and-workmens-compensation\/nj-st-sect-34-15-7\/\" target=\"_blank\" rel=\"noopener\">qualify for workers\u2019 compensation<\/a> in New Jersey:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.findlaw.com\/smallbusiness\/incorporation-and-legal-structures\/what-is-a-sole-proprietor.html\">Sole proprietors<\/a><\/li>\n<li>Members of a <span data-term-id=\"53091369\">partnership<\/span><\/li>\n<li>Federal employees<\/li>\n<li>Railroad employees<\/li>\n<li>Domestic workers<\/li>\n<li>Most agricultural workers<\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/employment\/hiring-process\/independent-contractors-overview.html\"><span data-term-id=\"53091361\">Independent contractors<\/span><\/a>\/consultants<\/li>\n<\/ul>\n<p>If a <span data-term-id=\"53091378\">business owner<\/span> doesn\u2019t maintain the required\u00a0<span data-term-id=\"53091360\">insurance coverage<\/span>, they\u2019ll face civil fines and penalties, as well as facing the\u00a0risk of being shut down by the <a href=\"https:\/\/www.nj.gov\/labor\/\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"53091370\">New Jersey Department of Labor<\/span> and <span data-term-id=\"53091350\">Workforce Development<\/span><\/a>.<\/p>\n<h2>When To File a <span data-term-id=\"53091341\">Workers\u2019 Compensation Claim<\/span><\/h2>\n<p><span data-term-id=\"53091341\">Workers\u2019 compensation claims<\/span> are intended for minor work injuries. The system protects workers and ensures the employer\u2019s\u00a0<span data-term-id=\"53091339\">insurance company<\/span>\u00a0covers\u00a0<span data-term-id=\"53091365\">medical bills<\/span>\u00a0and reimburses\u00a0<a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/making-a-lost-wages-claim.html\"><span data-term-id=\"53091348\">lost wages<\/span><\/a>. To qualify for <span data-term-id=\"53091340\">workers\u2019 compensation benefits<\/span>, you must prove that your injuries are work-related. If your accident occurred at work and on company property, the\u00a0<span data-term-id=\"53091336\">insurance carrier<\/span>\u00a0will likely\u00a0approve your <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/the-workers-compensation-claim-process.html\"><span data-term-id=\"53091341\">workers\u2019 compensation claim<\/span><\/a>.<\/p>\n<p><a href=\"https:\/\/www.findlaw.com\/smallbusiness\/employment-law-and-human-resources\/benefits-for-injured-employees.html\"><span data-term-id=\"53091373\">Workers\u2019 comp benefits<\/span><\/a> are only intended for those injured while working. Other factors may also cause the <span data-term-id=\"53091339\">insurance company<\/span> to deny a claim. These include:<\/p>\n<ul>\n<li>You were injured on personal time<\/li>\n<li>You were under the influence of <a href=\"https:\/\/www.nj.gov\/labor\/workerscompensation\/get-support\/faqs\/workerfaqs.shtml\" target=\"_blank\" rel=\"noopener\">drugs or alcohol<\/a> at the time of your injury or accident<\/li>\n<li>You were commuting to or from work (the \u201c<a href=\"https:\/\/dictionary.findlaw.com\/definition\/going-and-coming-rule.html\" target=\"_blank\" rel=\"noopener\">going and coming<\/a>\u201d exception)<\/li>\n<li>You have a pre-existing condition<\/li>\n<li>You were not on company time when your accident occurred<\/li>\n<li>Witnesses will report that you were not on company property or engaged in company work at the time of your injury<\/li>\n<\/ul>\n<p>If you were working within the <a href=\"https:\/\/dictionary.findlaw.com\/definition\/scope-of-employment.html\" target=\"_blank\" rel=\"noopener\">scope of your employment<\/a> when you suffered your <span data-term-id=\"53091358\">workplace injury<\/span>, you have the right to file a <span data-term-id=\"53091341\">workers\u2019 compensation claim<\/span>. This includes if you were on company property when you got hurt.<\/p>\n<p>Not sure if you qualify for a claim? Reach out to a <a href=\"https:\/\/lawyers.findlaw.com\/workers-compensation-law\/new-jersey\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">New Jersey workers\u2019 comp attorney<\/a>. They\u2019ll review your case and advise you how best to proceed.<\/p>\n<h2>Filing a <span data-term-id=\"53091341\">Workers\u2019 Compensation Claim<\/span> in New Jersey<\/h2>\n<p>To receive <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation.html\"><span data-term-id=\"53091373\">workers\u2019 comp benefits<\/span><\/a>, you must file your claim properly and on time. If you don\u2019t, your claim may be denied. This could mean you have to pay your own <span data-term-id=\"53091365\">medical bills<\/span>.<\/p>\n<p>The <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/the-workers-compensation-claim-process.html\"><span data-term-id=\"53091341\">workers\u2019 compensation claim<\/span> process<\/a> in New Jersey is as follows:<\/p>\n<ul>\n<li>Seek immediate medical attention for any injuries you suffer during a <a href=\"https:\/\/corporate.findlaw.com\/human-resources\/work-place-accidents.html\" target=\"_blank\" rel=\"noopener\">workplace accident<\/a>. If your employer doesn\u2019t have on-site medical personnel, receive care from either EMTs, an ER, or an urgent care facility. If you receive outside care, let the physician know the injury is work-related.<\/li>\n<li>After receiving emergency\u00a0<span data-term-id=\"53091343\">medical care<\/span>, report your\u00a0<a href=\"https:\/\/corporate.findlaw.com\/human-resources\/workplace-injuries.html\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"53091358\">workplace injury<\/span><\/a> or illness to your manager or Human Resources department. This must be done within 14 calendar days of your accident to qualify for <span data-term-id=\"53091373\">workers\u2019 comp benefits<\/span>. In some cases, a claimant can report injuries within 90 days and still receive benefits. Regardless, it\u2019s better to report it within the 14-day period.<\/li>\n<li>After you report your accident to your employer, they\u2019ll file a <a href=\"https:\/\/www.nj.gov\/labor\/workerscompensation\/tools-resources\/forms-publications\/\" target=\"_blank\" rel=\"noopener\">First Report of Injury<\/a>\u00a0electronically within 21 days of receiving notice of the injury. They\u2019re required to provide you with a copy of the form.<\/li>\n<li>Your employer may choose to deny your <span data-term-id=\"53091341\">workers\u2019 compensation claim<\/span>. If so, it must issue a \u201cNotice of Denial\u201d to you within 30 days of receiving your claim.<\/li>\n<li>If your employer <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/workers-comp-denied-here-are-your-next-steps.html\">denies your claim<\/a>, you still have another option. <a href=\"https:\/\/www.nj.gov\/labor\/workerscompensation\/\" target=\"_blank\" rel=\"noopener\">File a request for benefits<\/a> with the New Jersey Workers\u2019 Comp Commission. You have two years from the date of your injury (or the date your employer files its \u201cFirst Notice of Injury\u201d form) to file a petition with the <a href=\"https:\/\/www.nj.gov\/labor\/workerscompensation\/\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"53091363\">New Jersey <\/span><span data-term-id=\"53091338\">Division of Workers\u2019 Compensation<\/span><\/a>.<\/li>\n<\/ul>\n<p>The claims process can be overwhelming, especially if you\u2019re dealing with a serious injury or illness. Ideally, your employer\u2019s <a href=\"https:\/\/dictionary.findlaw.com\/definition\/workers-compensation-insurance.html\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"53091332\">New Jersey <\/span><span data-term-id=\"53091333\">workers\u2019 compensation<\/span><span data-term-id=\"53091333\"> insurance<\/span><\/a> will pay your claim.<\/p>\n<p>If your employer was reckless or intentionally caused your injuries, you may be able to file a claim under their employers\u2019 liability <span data-term-id=\"53091366\">insurance policy<\/span>. An experienced <a href=\"https:\/\/lawyers.findlaw.com\/personal-injury-plaintiff\/new-jersey\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">New Jersey personal injury attorney<\/a> can help you with either process.<\/p>\n<h2>What Benefits Are Available Under Workers\u2019 Compensation in New Jersey?<\/h2>\n<p>If the <span data-term-id=\"53091339\">insurance company<\/span> approves your workers\u2019 comp claim, you will receive several types of benefits. Your employer\u2019s <span data-term-id=\"53091336\">insurance carrier<\/span>\u00a0will cover your <span data-term-id=\"53091343\">medical care<\/span>. As long as the <span data-term-id=\"53091334\">medical treatment<\/span> is directly related to your workplace accident and is <a href=\"https://www.findlaw.com/static/f/files\/pdf\/injury\/injury.findlaw.com_workers-compensation_workers-comp-benefits-explained.pdf\" target=\"_blank\" rel=\"noopener\">reasonable and necessary<\/a>, the <span data-term-id=\"53091339\">insurance company<\/span> shouldn\u2019t object to paying the medical costs.<\/p>\n<p>In addition to <span data-term-id=\"53091343\">medical care<\/span>, you will also receive <span data-term-id=\"53091388\">wage replacement<\/span> benefits. If you miss more than three days of work, you can collect compensation for your <span data-term-id=\"53091348\">lost wages<\/span>. This amounts to 70% of your <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/workers-compensation-questions-and-answers.html\"><span data-term-id=\"53091357\">average weekly wages<\/span><\/a>. You may also be entitled to <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/the-difference-between-workers-comp-and-disability-benefits.html\">disability benefits<\/a>, should your workplace accident leave you partially or totally disabled.<\/p>\n<p>Let\u2019s take a closer look at the benefits you may be entitled to.<\/p>\n<h3><span data-term-id=\"53091346\">Medical Benefits<\/span><\/h3>\n<p>The primary reason employers carry <span data-term-id=\"53091371\">workers\u2019 comp insurance<\/span> is to cover <span data-term-id=\"53091353\">injured employees<\/span>\u2019 <span data-term-id=\"53091365\">medical bills<\/span>. As long as your <span data-term-id=\"53091334\">medical treatment<\/span> is reasonable and necessary, workers\u2019 comp should cover it. This coverage will continue until you return to work or reach \u201c<a href=\"https:\/\/corporate.findlaw.com\/human-resources\/payment-of-disability-benefits-following-a-finding-of-maximum.html\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"53091381\">maximum medical improvement<\/span><\/a>.\u201d<\/p>\n<p>Some of the <span data-term-id=\"53091343\">medical care<\/span> covered by workers\u2019 compensation includes:<\/p>\n<ul>\n<li>Emergency room visit<\/li>\n<li>Ambulance ride<\/li>\n<li>Hospitalization<\/li>\n<li>Prescription medications<\/li>\n<li><span data-term-id=\"53091384\">Physical therapy<\/span><\/li>\n<li>Vocational rehabilitation<\/li>\n<li>Chiropractic care (in some cases)<\/li>\n<li>Medical devices\/medical equipment<\/li>\n<\/ul>\n<p>If the <span data-term-id=\"53091339\">insurance company<\/span> refuses treatment or refuses to pay your <span data-term-id=\"53091365\">medical bills<\/span>, you may need to meet with a <a href=\"https:\/\/lawyers.findlaw.com\/workers-compensation-law\/new-jersey\/fli=dcta\" target=\"_blank\" rel=\"noopener\">New Jersey workers\u2019 comp lawyer<\/a>.<\/p>\n<h3>Replacement Wages<\/h3>\n<p>Your living expenses won\u2019t stop just because you suffered a <span data-term-id=\"53091358\">workplace injury<\/span>. Workers\u2019 comp helps bridge the gap until you can return to work by covering a portion of your <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/making-a-lost-wages-claim.html\"><span data-term-id=\"53091348\">lost wages<\/span><\/a>. The amount of your weekly benefits depends on your income. You\u2019ll receive 70% of your <a href=\"https:\/\/www.nj.gov\/labor\/workerscompensation\/tools-resources\/rates-statistics\/\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"53091357\">average weekly wages<\/span><\/a> (AWW).<\/p>\n<p>To calculate your AWW, add your wages for the last 26 weeks and divide the total by 26. Multiply that amount by 0.70 to determine your weekly benefit rate.<\/p>\n<p>New Jersey law caps the amount you can receive through workers\u2019 comp each week. The <a href=\"https:\/\/www.nj.gov\/labor\/workerscompensation\/tools-resources\/rates-statistics\/\" target=\"_blank\" rel=\"noopener\">maximum benefit rate for 2026<\/a> is $1,199 per week. Even if your weekly benefit rate would be much higher than $1,199, that is the most you can receive in any given week.<\/p>\n<h3><span data-term-id=\"53091337\">Death Benefits<\/span><\/h3>\n<p>Not everybody survives their workplace accident or occupational illness. If a loved one passes away as a result of a <span data-term-id=\"53091351\">work-related injury<\/span>, you may be eligible for <a href=\"https:\/\/www.nj.gov\/labor\/workerscompensation\/injured-worker-protections\/\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"53091337\">death benefits<\/span><\/a> through workers\u2019 compensation.<\/p>\n<p>In general, a decedent\u2019s spouse and <span data-term-id=\"53091342\">dependents<\/span> may be entitled to the weekly benefits their loved one would have received had they survived. They can also receive reimbursement for burial and <span data-term-id=\"53091354\">funeral expenses<\/span>.<\/p>\n<h2>Who Decides When You Return to Work?<\/h2>\n<p>New Jersey employers must pay their employees <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/workers-comp-in-depth.html\">weekly benefits<\/a> and cover their <span data-term-id=\"53091343\">medical care<\/span> until they return. In most cases, the employee recovers enough to <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/workers-comp-benefits-and-returning-to-work.html\">go back to work<\/a> at some point. This is based on when the employee\u2019s workers\u2019 comp doctor believes the worker has reached <span data-term-id=\"53091381\">maximum medical improvement<\/span> (MMI).<\/p>\n<p>MMI occurs when your <a href=\"https:\/\/www.nj.gov\/labor\/workerscompensation\/get-support\/faqs\/employer-carrier-faqs.shtml\" target=\"_blank\" rel=\"noopener\">workers\u2019 compensation doctor<\/a> determines that further treatment will not improve your condition. In other words, the doctor can do nothing further to improve your recovery.<\/p>\n<p>If you disagree with your doctor\u2019s assessment and don\u2019t think you\u2019re ready to go back to work, you can ask for a second opinion. Your attorney can arrange an <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/independent-medical-examination.html\">Independent Medical Examination<\/a> (IME). An IME allows another physician to review your case and determine your readiness to return to work. This second opinion may be at your own expense.<\/p>\n<p>In some cases, the employee can never return to work, either <span data-term-id=\"53091379\">full-time<\/span> or part-time. Those who suffered serious injuries may be eligible for <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/disability.html\"><span data-term-id=\"53091376\">permanent disability benefits<\/span><\/a>. If the <span data-term-id=\"53091383\">medical provider<\/span> determines that you are permanently disabled, these long-term benefits may become available.<\/p>\n<h2>What if You\u2019re Permanently Disabled After Your Workplace Accident?<\/h2>\n<p>If you end up permanently disabled (partial or total) after your workplace accident, you may be entitled to significant compensation. It depends on the nature of your injury and which body part is involved.<\/p>\n<p>New Jersey categorizes <a href=\"https:\/\/nj.gov\/treasury\/pensions\/workers-comp-awards.shtml\" target=\"_blank\" rel=\"noopener\">permanent disability awards<\/a> based on the injured body part. Some body parts are worth more than others. For example, a foot injury is worth much less than a back or neck injury.<\/p>\n<p>The best way to know how much your case may be worth is to review New Jersey\u2019s <a href=\"https:\/\/www.nj.gov\/labor\/workerscompensation\/assets\/PDFs\/Forms\/2026_schedule.pdf\" target=\"_blank\" rel=\"noopener\">Schedule of Disabilities<\/a>. This chart spells out how much each body part is worth (in number of weeks).<\/p>\n<h2><span data-term-id=\"53091364\">Permanent Total Disability<\/span> vs. <span data-term-id=\"53091362\">Permanent Partial Disability<\/span><\/h2>\n<p>Whether you\u2019re eligible for <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/disability.html\"><span data-term-id=\"53091376\">permanent disability benefits<\/span><\/a> depends on the seriousness of your injuries. While you\u2019re experiencing <span data-term-id=\"53091382\">temporary total disability<\/span>, you\u2019ll receive your weekly replacement wages. Once your <span data-term-id=\"53091380\">healthcare<\/span> provider determines that you\u2019ve reached MMI, they must also state whether you have a total or partial permanent disability.<\/p>\n<p>If your doctor decides that you have suffered a <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/the-difference-between-workers-comp-and-disability-benefits.html\">100% disability<\/a> (as a whole or related to a specific body part), you\u2019ll receive significant compensation. For example, if your doctor indicates that you have 100% <span data-term-id=\"53091364\">permanent total disability<\/span> with one of your legs, you will be entitled to 315 weeks\u2019 worth of benefits.<\/p>\n<p>Most <span data-term-id=\"53091368\">workers\u2019 compensation cases<\/span> that include a permanent disability settle for a lump sum rather than the claimant collecting benefits for years on end. A <a href=\"https:\/\/lawyers.findlaw.com\/personal-injury-plaintiff\/new-jersey\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">New Jersey personal injury lawyer<\/a> can negotiate a fair settlement that covers both your disability benefits and future <span data-term-id=\"53091365\">medical bills<\/span>. For <span data-term-id=\"53091362\">permanent partial disability<\/span> claim assessments, you\u2019ll receive a portion of the disability benefits assigned to the injured body part.<\/p>\n<h2>What if the <span data-term-id=\"53091339\">Insurance Company<\/span> Denies Your Claim?<\/h2>\n<p><span data-term-id=\"53091336\">Insurance carriers<\/span> approve most workers\u2019 comp claims, but not all. If the <span data-term-id=\"53091339\">insurance company<\/span> <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/workers-comp-denied-here-are-your-next-steps.html\">denies your claim<\/a>, you have the right to file an appeal.<\/p>\n<p>Your claim may be denied for many reasons. These can be a technicality, a clerical error, or an omission, such as forgetting to include pay stubs to prove your\u00a0<span data-term-id=\"53091357\">average weekly wages<\/span>. Other reasons why your claim may be denied include:<\/p>\n<ul>\n<li>You didn\u2019t report your accident in a timely fashion<\/li>\n<li>Your employer doesn\u2019t believe you got hurt on company time<\/li>\n<li>You refuse to see a company-approved doctor<\/li>\n<li>You had a <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation.html\">pre-existing condition<\/a><\/li>\n<li>You have a history of filing <span data-term-id=\"53091341\">workers\u2019 compensation claims<\/span><\/li>\n<li>You were under the influence of drugs or alcohol at the time of your accident<\/li>\n<li>The company has classified you as an <a href=\"https:\/\/www.findlaw.com\/legalblogs\/personal-injury\/can-independent-contractors-get-workers-comp\/\"><span data-term-id=\"53091361\">independent contractor<\/span><\/a>, not an employee<\/li>\n<\/ul>\n<p>If the <span data-term-id=\"53091336\">insurance carrier<\/span> denies your claim, you can file an appeal. The appeals process can be intimidating, and you only get one chance to get it right. If you haven\u2019t already spoken with a <a href=\"https:\/\/lawyers.findlaw.com\/workers-compensation-law\/new-jersey\/\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"53091332\">New Jersey <\/span><span data-term-id=\"53091355\">workers\u2019 compensation<\/span><span data-term-id=\"53091355\"> attorney<\/span><\/a>, this is a good time to do so.<\/p>\n<p>The <a href=\"https:\/\/www.nj.gov\/labor\/workerscompensation\/get-support\/navigating-disputes\/\" target=\"_blank\" rel=\"noopener\">appeals process in New Jersey<\/a> is rather formal. If you don\u2019t follow the proper steps, the <span data-term-id=\"53091363\">New Jersey <\/span><span data-term-id=\"53091338\">Division of Workers\u2019 Compensation<\/span> Commission will deny your appeal, ending your opportunity to receive benefits.<\/p>\n<p><strong><em><span data-term-id=\"53091374\">Disclaimer<\/span>:<\/em><\/strong><em>\u00a0State laws are subject to change due to new legislation, higher court rulings, and other means. While we strive to provide the most current information, consult a <\/em><a href=\"https:\/\/lawyers.findlaw.com\/workers-compensation-law\/new-jersey\/\" target=\"_blank\" rel=\"noopener\"><em><span data-term-id=\"53091332\">New Jersey <\/span><span data-term-id=\"53091355\">workers\u2019 compensation<\/span><span data-term-id=\"53091355\"> attorney<\/span><\/em><\/a><em> or conduct further legal research to verify your state laws.<\/em><\/p>\n<h2>Seek Legal Advice Regarding Your <span data-term-id=\"53091332\">New Jersey <\/span><span data-term-id=\"53091341\">Workers&#8217; Compensation<\/span><span data-term-id=\"53091341\"> Claim<\/span><\/h2>\n<p>If you suffer an injury at work and aren\u2019t sure how to file a <span data-term-id=\"53091341\">workers\u2019 compensation claim<\/span>, contact a local workers\u2019 comp attorney. The <a href=\"https:\/\/www.nj.gov\/labor\/workerscompensation\/injured-worker-protections\/\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"53091332\">New Jersey <\/span><span data-term-id=\"53091385\">workers\u2019 compensation<\/span><span data-term-id=\"53091385\"> system<\/span><\/a> and claims process can be complex and overwhelming, especially while you\u2019re recovering from a <span data-term-id=\"53091351\">work-related injury<\/span>.<\/p>\n<p>Workers\u2019 comp exists to cover your expenses and <span data-term-id=\"53091348\">lost wages<\/span> after a <span data-term-id=\"53091351\">work-related injury<\/span>. An experienced <a href=\"https:\/\/lawyers.findlaw.com\/workers-compensation-law\/new-jersey\/\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"53091332\">New Jersey <\/span><span data-term-id=\"53091355\">workers\u2019 compensation<\/span><span data-term-id=\"53091355\"> attorney<\/span><\/a> will review your claim and, if warranted, help you file an appeal. They will also fight to get you the benefits you deserve.<\/p><\/div>\n<\/div>\n\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n                        <path 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1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n    <\/div>\n    <span class=\"was-this-helpful__taken-action fl-text-sm-bold\"><\/span>\n    <div class=\"was-this-helpful__feedback-container\">\n        <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n            <p 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was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--understandable\"\n                        >Easy to understand<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--solved-problem\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Solved my problem\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    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class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div 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Learn about coverage for medical bills and lost wages, how to apply and file an appeal, and much more at FindLaw.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":374945,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/ArticleWithBreadcrumbsController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","_cf_multicollab_revision_bundle":"","footnotes":"","cf_checklist_status":["SEO Title Length","Alt Text for All Images","Category Assigned","External Links"]},"categories":[2743],"tags":[],"state_laws_tags":[3230],"flmsa":[],"class_list":["post-375080","page","type-page","status-publish","hentry","category-state","state_laws_tags-statelaws_31_7"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/375080","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=375080"}],"version-history":[{"count":2,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/375080\/revisions"}],"predecessor-version":[{"id":414088,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/375080\/revisions\/414088"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/374945"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=375080"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=375080"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=375080"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=375080"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=375080"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}