New Jersey’s Uninsured Employers Fund (Part 1)
Under New Jersey Worker’s Compensation Law, all employers are required to carry Worker’s Compensation Insurance. If your employer does not have insurance and you are injured during the course of employment, you are still entitled to Worker’s Compensation benefits under the state’s Uninsured Employers Fund.
If you were injured while at work and your employer does not have insurance coverage, it is imperative that you contact a New Jersey workers’ comp lawyer to help you get compensation through the state’s Uninsured Employers Fund.
Employers Are Required to Carry Workers’ Compensation Insurance
All employers in New Jersey must carry workers’ compensation insurance or be self-insured. Employers include corporations, partnerships, and sole proprietorships. If an employer does not have coverage, there will be a surcharge on each claim filed on behalf of an employee who is injured while working for the uninsured employer.
What Is the Uninsured Employers Fund?
The state of New Jersey has developed a special fund called the Uninsured Employers Fund. This fund provides workers compensation benefits if you are injured at work and your employer does not have insurance. You or your New Jersey workers’ comp lawyer will need to file a formal claim with the Worker’s Compensation court. You will then need to file a separate motion to add the Uninsured Employer’s Fund as a party to your claim.
What Is Covered Under Uninsured Employers Fund?
The Uninsured Employer’s Fund provides medical care and temporary disability benefits to injured workers. However, the Fund does not pay permanent disability benefits. But if your New Jersey workers’ comp lawyer can prove a permanent loss of function, you can still seek an order awarding you a cash settlement. And if you are successful, your employer will be required to pay out of pocket for your fees.
Continue to Uninsured Employers Fund (Part 2)
To learn more about your legal rights if you are injured during the course of employment but your employer does not have workers’ compensation insurance or is not self-insured, you need to call New Jersey workers’ comp lawyer Dan Matrafajlo at (908) 248-4404 for a free consultation.