Getting injured at work is never expected, but it happens. As a healthcare worker, it’s important to know the steps to take immediately after an injury to ensure that you’re properly covered by workers’ compensation and can receive the necessary care.
Report the injury immediately
After a workplace injury, your first step is to report it to your employer. Under New Jersey workers’ compensation law, you must inform your employer about your injury within 14 days of the incident. Failing to report the injury promptly could impact your eligibility for benefits. Even if the injury seems minor at first, report it right away.
Seek medical attention
Your health is the priority, so make sure to seek medical treatment as soon as possible. You should go to a doctor or hospital, especially if your injury is severe. New Jersey law allows workers to choose their doctor for their first visit, but your employer may direct you to a specific healthcare provider for follow-up care if they have a preferred list. You must keep track of all medical visits and treatments related to your injury.
File a workers’ compensation claim
Once you’ve reported the injury and received medical care, you need to file a workers’ compensation claim. In New Jersey, this involves completing a formal claim with your employer’s insurance carrier. Your employer should provide you with a claim form, but you also have the right to file directly with the Division of Workers’ Compensation in New Jersey if necessary.
Keep records
It’s important to keep detailed records of everything related to your injury. This includes medical records, reports of your injury, communications with your employer, and any costs you incur due to the injury.
Be prepared for an insurance review
Once you submit your claim, your employer’s insurance carrier will review it to determine whether they will approve or deny benefits. If they approve your claim, you may be entitled to compensation for medical expenses, lost wages, and even vocational rehabilitation. If your claim is denied, you can appeal the decision through New Jersey’s workers’ compensation court.