The Process of Getting Your New Jersey Workers’ Compensation Benefits Through the Uninsured Employers Fund (Part 1)
If your employer fails to provide workers’ compensation insurance coverage and you’re injured on the job, you may still recover medical costs and temporary disability benefits through the Uninsured Employers Fund. In order to do so, you or your New Jersey workers’ compensation lawyer must formally file a claim petition with the New Jersey Division of Workers’ Compensation.
You or your New Jersey workers’ compensation lawyer must notify the Uninsured Employers Fund within 30 days after you find out (or should have found out) that your employer is uninsured for workers’ compensation.
One way for your New Jersey workers’ compensation lawyer to find out whether your employer is insured or not is to contact to the Compensation Rating & Inspection Bureau in writing order to get confirmation that the employer is uninsured. Once your lawyer gets the confirmation of reinsurance, he will attach a copy of the Bureau’s search results to the formal motion to join the Uninsured Employers Fund to your workers’ compensation claim brought by or against your uninsured employer.
The Uninsured Employers Fund will then be given the chance to fully review all of your medical bills and other costs associated with your workplace injury. It will determine whether your costs were reasonable and necessary. The process of making this determination may include an independent medical examination ordered by the Fund. The examining doctor will give the Fund an opinion about your medical condition, the appropriateness of your treatment, your ability to work, and your future need for further treatment.
Continued in Part 2.
Filing a workers’ compensation claim can be extremely confusing and complex. For help with your claim, contact dedicated New Jersey workers’ compensation lawyer Dan T. Matrafajlo to schedule a free initial consultation on your claim.