{"id":375080,"date":"2016-10-26T11:50:05","date_gmt":"2016-10-26T16:50:05","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/state\/new-jersey-law\/new-jersey-workers-compensation-laws.html"},"modified":"2018-12-07T12:14:29","modified_gmt":"2018-12-07T17:14:29","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-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">New Jersey Workers&#039; Compensation Laws<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    <p><i>Created by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw&#8217;s team<\/a> of legal writers and editors<\/i><\/p>\n\n                | Last updated\n        <time>\n                            December 07, 2018\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<p>No matter which exit you live off of, you know that it does not get any better than summers at the Shore. But if you were <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/what-types-of-injuries-are-compensable-under-workers-compensation.html\">injured at work<\/a>, your bills may make it tough to afford time off. Fortunately, New Jersey workers&#8217; compensation laws <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/i-have-a-job-related-injury-what-are-my-employers-responsibilitie.html\">require your employer<\/a> to carry insurance to protect you from the <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/workers-compensation-as-the-exclusive-remedy-for-injuries.html\">financial hardships<\/a> of workplace injuries, as well as Temporary Disability Insurance programs for injuries that occur outside of work.<\/p>\r\n<p>Key aspects of New Jersey Workers&#8217; Comp Laws are summarized in the table and explanations below.<\/p>\r\n<table cellspacing=\"0\" cellpadding=\"7\" border=\"1\">\r\n<tbody><tr><td><p><b>Statute Section<\/b><\/p>\r\n<\/td>\r\n<td><p><a href=\"https:\/\/codes.findlaw.com\/nj\/title-34-labor-and-workmens-compensation\/nj-st-sect-34-15-1.html\" target=\"_blank\" rel=\"noopener\">34 \u00a7 15-1, et seq.<\/a><\/p>\r\n<\/td>\r\n<\/tr><tr><td><p><b>Time Limits<\/b><\/p>\r\n<\/td>\r\n<td><ul>\r\n<li>Notice to employer: 14 days in most cases, up to 90 days (<a href=\"https:\/\/codes.findlaw.com\/nj\/title-34-labor-and-workmens-compensation\/nj-st-sect-34-15-17.html\" target=\"_blank\" rel=\"noopener\">34 \u00a7 15-17<\/a>)<\/li>\r\n<li>2 years to file a claim (<a href=\"https:\/\/codes.findlaw.com\/nj\/title-34-labor-and-workmens-compensation\/nj-st-sect-34-15-51.html\" target=\"_blank\" rel=\"noopener\">34 \u00a7 15-51<\/a>)<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><tr><td><p><b>Notice Requirements<\/b><\/p>\r\n<\/td>\r\n<td><ul>\r\n<li>Notice to employer must conform with <a href=\"https:\/\/codes.findlaw.com\/nj\/title-34-labor-and-workmens-compensation\/nj-st-sect-34-15-18.html\" target=\"_blank\" rel=\"noopener\">34 \u00a7 15-18<\/a><\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><tr><td><p><b>Benefit Time Limits<\/b><\/p>\r\n<\/td>\r\n<td><p><a href=\"https:\/\/codes.findlaw.com\/nj\/title-34-labor-and-workmens-compensation\/nj-st-sect-34-15-16.html\" target=\"_blank\" rel=\"noopener\">34 \u00a7 15-16<\/a><\/p>\r\n<ul>\r\n<li>Waiting period: 7 days<\/li>\r\n<li>Benefits retroactive to first day<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><tr><td><p><b>Mental Injury Coverage<\/b><\/p>\r\n<\/td>\r\n<td><ul>\r\n<li>Limited<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><tr><td><p><b>Temporary Disability Insurance<\/b><\/p>\r\n<\/td>\r\n<td><ul>\r\n<li>Waiting period: 14 days (<a href=\"https:\/\/codes.findlaw.com\/nj\/title-43-pensions-and-retirement-and-unemployment-compensation\/nj-st-sect-43-21-27.html\" target=\"_blank\" rel=\"noopener\">43 \u00a7 21-27<\/a>)<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><\/tbody><\/table>\r\n<h2>Coverage<\/h2>\r\n<p>Whether or not you call the Garden State home, New Jersey employees are usually covered by <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/workers-comp-in-depth.html\">workers&#8217; compensation<\/a> insurance, as required by law. There are exceptions to the requirement with regards to the types of employees which must be covered, including volunteers for nonprofits, farm workers, and most <a href=\"https:\/\/www.findlaw.com\/employment\/wages-and-benefits\/domestic-workers-bill-of-rights.html\">domestic workers<\/a>.<\/p>\r\n<p>Most physical injuries which occur within the scope of employment are compensable. But while occupational illnesses, such as <a href=\"https:\/\/www.findlaw.com\/injury\/product-liability\/mesothelioma-and-asbestos.html\">asbestosis<\/a> and <a href=\"https:\/\/www.findlaw.com\/legalblogs\/injured\/2015\/07\/can-i-sue-for-hearing-loss.html\">hearing loss<\/a>, are covered, you must file a claim within two years from the date you discover it is work-related. Coverage for mental injuries is especially limited in New Jersey. In 1991, the court set out an objective <a href=\"https:\/\/lwd.state.nj.us\/labor\/forms_pdfs\/wc\/pdf\/wc_law.pdf\" target=\"_blank\" rel=\"noopener\">five element test<\/a> for establishing that a mental injury is compensable under workers&#8217; comp.<\/p>\r\n<h2>Benefits<\/h2>\r\n<p>Wage replacement, medical treatment, and <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/rehabilitation-rights-of-injured-workers.html\">vocational rehabilitation<\/a> may all be available to you if you are entitled to workers&#8217; comp benefits in New Jersey. The amount of wage replacement compensation you may receive depends upon the <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/workers-comp-benefits-and-returning-to-work.html\">extent and duration<\/a> of your disability, but New Jersey is generous relative to most states and your compensation is based on 70 percent of your weekly wage, subject to a state-imposed maximum.<\/p>\r\n<h2>Dispute Resolution<\/h2>\r\n<p>If your claim is <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/workers-comp-denied-here-are-your-next-steps.html\">denied<\/a>, for instance, because your employer doesn\u2019t believe your injury is work-related, you may either file a formal claim petition or an application for an informal hearing with the Division of Workers&#8217; Compensation. New Jersey law protects you and any testifying employees from any <a href=\"https:\/\/www.findlaw.com\/employment\/losing-a-job\/retaliation-and-wrongful-termination.html\">retaliation<\/a> from your employer.<\/p>\r\n<p>While you are waiting for a determination on your claim, you may be eligible to receive benefits from a <a href=\"http:\/\/lwd.dol.state.nj.us\/labor\/tdi\/tdiindex.html\" target=\"_blank\" rel=\"noopener\">Temporary Disability Insurance<\/a> program. If you are a resident of New Jersey, these programs pay wage replacement compensation equal to two-thirds of your average weekly compensation, subject to state-imposed maximum amounts. The purpose of this program is to provide benefits for New Jersey residents injured outside of the workplace or unable to work due to pregnancy.<\/p>\r\n<h2>Get Professional Legal Help With Your New Jersey Workers&#8217; Comp Claim<\/h2>\r\n<p>Accidents at work happen, and workers&#8217; compensation insurance exists to save both you and your employer the time and expense of a traditional trial. But the no-fault system can be tough to navigate. Sometimes workers incorrectly believe that they can&#8217;t claim benefits if they accidentally caused their own injuries. If you have questions or concerns, consider speaking with a <a href=\"https:\/\/lawyers.findlaw.com\/personal-injury-plaintiff\/new-jersey\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">New Jersey injury law attorney<\/a> today.<\/p>\r\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\" 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class=\"popularDirectory\">\n        <div class=\"general-popular-directory \">\n            <div class=\"general-popular-directory-title\">\n                <h3>Popular Directory Searches<\/h3>\n            <\/div>\n            <ul>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/workers-compensation-law\/\" target=\"_blank\" rel=\"noopener\">Workers&#8217; Compensation Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/labor-law\/\" target=\"_blank\" rel=\"noopener\">Labor Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/employment-law-employee\/\" target=\"_blank\" rel=\"noopener\">Employment Rights Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/premises-liability-plaintiff\/\" target=\"_blank\" rel=\"noopener\">Premises Liability Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/railroad-worker-injury-fela\/\" target=\"_blank\" rel=\"noopener\">Railroad Worker Injury and FELA Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/construction-accident\/\" target=\"_blank\" rel=\"noopener\">Construction Accidents Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/personal-injury-plaintiff\/\" target=\"_blank\" rel=\"noopener\">Personal Injury Lawyers<\/a><\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n\n\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Whether or not you call the Garden State home, New Jersey employees are usually covered by workers&#8217; compensation insurance, as required by law. There are exceptions to the requirement with regards to the types of employees which must be covered, including volunteers for nonprofits, farm workers, and most domestic workers.<\/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":"","footnotes":"","cf_checklist_status":[]},"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":0,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/375080\/revisions"}],"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}]}}