When you sustain an injury at work, think of the workers’ compensation system as your financial safety net, allowing you to avoid financial difficulties as you recuperate.
However, navigating the rules and procedures of this system is not always straightforward. It is fraught with complexities that can lead to misconceptions and might even discourage injured workers from filing claims.
If you find yourself in this stressful situation, you likely have several questions in mind. “Can I get compensation for minor injuries?” “What happens to the days I miss at work?“ These are common uncertainties among many workers. To help you confidently manage your claim, here are some clarifications that can help you with your concerns.
Myth #1: Minor injuries do not qualify
Many people believe that only severe injuries qualify for workers’ compensation. This is not the case. In New Jersey, as in many other states in the U.S., the rule is simple: if you sustain an injury while working, it may qualify for compensation.
The critical factor is whether the injury is work-related, not its severity. Furthermore, even minor injuries can lead to significant consequences and worsen if you do not address them promptly. Remember to report any workplace injury as soon as it occurs.
Myth #2: Claims are always accepted
A common myth is that employers or their insurers have no choice but to accept your claim right off the bat. This is not always the case. There is a litany of reasons that can lead to the denial of claims. For example, if you fail to report your injury quickly or cannot provide sufficient evidence that the incident occurred at work, you might unfortunately face a denial.
Myth #3: Workers’ compensation only covers medical bills
While it is true that medical bills constitute a significant part of the benefits, the workers’ compensation system also provides disability benefits. These benefits aim to partially replace wages if you are unable to work temporarily or permanently due to your injury. Furthermore, should the unthinkable happen, workers’ compensation also offers death benefits to dependents of workers who have died as a result of a job-related injury.
When dealing with the workers’ compensation system, it is crucial to understand the difference between myth and reality. Having accurate knowledge about this essential safety net can be your first step toward protecting your rights as a worker.