When a delivery driver experiences an accident on the road or while carrying packages, they need to know how they can get help with medical bills. Workers’ compensation provides much-needed support for delivery drivers who become injured while performing their job duties.
In New Jersey, workers’ compensation typically covers injuries that occur during work-related activities, but there are certain requirements for a claim to be valid.
Injuries covered during work-related activities
Delivery drivers are eligible for workers’ compensation benefits if they sustain injuries while performing job-related tasks. For example, a car accident that happens during package delivery will likely qualify for workers’ compensation. Injuries from lifting heavy packages or slipping and falling while making deliveries also qualify as work-related injuries. Benefits can cover the related medical expenses, lost wages and rehabilitation costs.
Off-duty injuries do not qualify
In New Jersey, workers’ compensation does not usually cover injuries sustained during a driver’s commute to or from work. The same applies to injuries that occur while the driver is off-duty or engaging in activities unrelated to their job. However, if a delivery driver makes a work-related stop while commuting and suffers an injury, it may be possible to file a claim.
Independent contractor challenges
Many delivery drivers work as independent contractors. New Jersey’s workers’ compensation system does not always extend to independent contractors. Delivery drivers classified as employees can access workers’ compensation benefits, while independent contractors may need to seek other options.
However, under state law, a worker’s classification as an employee or contractor depends on specific criteria. The level of control the employer has over a contractor’s tasks could make them eligible for benefits in certain unique cases.
The importance of reporting injuries promptly
Delivery drivers injured on the job should report the injury to their employer immediately. Timely reporting ensures the employer can file the workers’ compensation claim correctly. Waiting too long to report an injury can lead to delays or denial of benefits.
It is important to keep in mind that workers’ compensation exists to protect employees, including delivery drivers. Understanding your eligibility and acting quickly after an injury will help you receive the benefits you need.