If you've been hurt in some kind of work accident, how and when you report it make a difference. On one hand, your claim could be accepted quickly. On the other, you could end up in the middle of a long, drawn-out battle with the insurance company. The decisions you make following the accident can have serious effects on your claim.
Many claims are denied because the insurer believes your condition is not really work-related. However, you can help your claim be approved by being prompt and accurate from the start. Here are some tips to keep in mind when reporting your work injury to your employer:
Report the incident the day it happens. Do so in writing, by email, or in person. Make it hard for your employer to deny that you actually reported it.
Get medical care the same day of the incident, if possible. Give your doctor an accurate history of how you were hurt on the job.
Don't leave a weekend, vacation, holiday, or sick day in between the day of the accident and the day you report your injury.
Give as much information as you have. If you know what caused the incident, say it.
Employers are often to blame for on-the-job accidents. However, it's possible that you made a mistake and caused your own accident. If your injury is your fault, don't be afraid to report it. New Jersey Workers' Compensation law has a “no-fault” approach when it comes to work injuries. This means that you are entitled to workers' comp benefits even if the accident is your fault.
Workers' Compensation law is complicated and confusing. For help understanding your rights and learning your legal options, you may want to consult with a workers' compensation attorney.