Every employer in the State of New Jersey is required to maintain workers’ compensation insurance in order to protect an employee/worker that suffers a work place injury. However, there are times when an employer fails to maintain workers’ compensation insurance and/or stops paying on an existing workers’ compensation insurance policy.
In such instances, New Jersey has created an Uninsured Employer’s Fund to provided for temporary disability benefits and medical benefits. It should be noted that the New Jersey Uninsured Employer’s Fund does provide the aforementioned benefits but same are LIMITED. The injured employee/worker will not be paid permanent disability benefits from the Uninsured Employer’s Fund significantly curtailing the employee’s overall compensation benefits.
The silver lining in this scenario is a competent New Jersey Workers’ Compensation attorney, such as Dan T. Matrafajlo, will pursue permanent disability benefits against the employer individually and can press the issue of criminality inherent in failing to maintain workers’ compensation insurance. If your employer has failed to maintain proper insurance give Dan T. Matrafajlo a call for a free office consultation to discuss your legal rights.