AN EMPLOYER’S GUIDE TOAn injured employee will receive benefits regardless of who was at fault. In...
Transcript of AN EMPLOYER’S GUIDE TOAn injured employee will receive benefits regardless of who was at fault. In...
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AN EMPLOYER’S GUIDE TOWORKERS’ COMPENSATION
IN NEW JERSEY
I. WHAT IS WORKERS’ COMPENSATION? ................................ 2
II. WORKERS’ COMPENSATION BENEFITS ................................ 3
III. INSURANCE REQUIREMENTS ................................................... 4• Types of Coverage• Definitionof“Employee”• ObtainingWorkers’CompensationCoverage• InsurancePremiumRates• WhataWorkers’CompensationPolicyCovers• PenaltiesforFailuretoInsure
IV. BEFORE AN INJURY OCCURS .................................................... 9• PostingNotice• EstablishClearProceduresforEmployeesandManagers
V. REPORTING WORK ACCIDENTS AND OCCUPATIONAL EXPOSURES ......................................... 10
VI. HOW TO REDUCE WORKERS’ COMPENSATION COSTS .............................11
• EstablishaSafetyProgram• EstablishReturn-to-WorkPrograms• EstablishandMaintainGoodCommunicationwithYourInjuredEmployees• EnsurePromptTreatmentfromtheRightMedicalProviders
VII. CLAIM PETITIONS IN WORKERS’ COMPENSATION ...... 13
VIII. WHAT ELSE DOES AN EMPLOYER NEED TO KNOW? ..... 14• DiscriminationComplaints• SecondInjuryFund• Workers’CompensationWebsite• ContactsforQuestions
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I. WHAT IS WORKERS’ COMPENSATION?
Workers’compensationisa“nofault”insuranceprogramthatprovidesmedicaltreatment,wagereplacement,andpermanentdisabilitycompensationtoemployeeswhosufferjob-relatedinjuriesorillnesses.Italsoprovidesdeathbenefitstodependentsofworkerswhohavediedasaresultoftheiremployment.Aninjuredemployeewillreceivebenefitsregardlessofwhowasatfault.Inexchangefortheseguaranteedbenefits,theworkerdoesnothavetherighttobringacivilactionagainsttheemployerforpainandsufferingorotherdamages,exceptincasesofintentionalacts.
TheDivisionofWorkers’CompensationisresponsiblefortheadministrationoftheNewJerseyWorkers’CompensationAct(N.J.S.A.34:15-1et seq.).Thisisaccomplishedby:
• ensuringthatworkersreceivefairandtimelyworkers’compensationbenefitsforwork-relatedinjuriesfromtheiremployersand/orinsurancecarriers;
• enforcingthelawthatrequiresemployerstosecureworkers’compensationinsurancecoveragefromcommercialinsurancecarriersorself-insuranceprograms;
• providingcertainbenefitpaymentstoinjuredworkerswhoaretotallyandpermanentlydisabledasaresultoftheirlastwork-relatedinjurycombinedwiththeworker’spre-existingdisabilities.Thesebenefitscommenceattheconclusionofthepaymentofbenefitsfromtheworker’semployer.
TheDivisionofWorkers’Compensationdoesnothavejurisdictionoverinsurancepremiumratesetting.ThatresponsibilityfallsunderthejurisdictionoftheCompensationRatingandInspectionBureauoftheDepartmentofBankingandInsurance.
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II. WORKERS’ COMPENSATION BENEFITS
Medical Benefits:Necessaryandreasonablemedicaltreatment,prescriptions,andhospitalservicesrelatedtotheworkinjuryarepaidbytheemployer’sinsurancecarrierordirectlybytheemployerifself-insured.Theemployerand/oritsinsurancecarrierhavetherighttodesignatemedicalprovidersforallwork-relatedinjuries.
Temporary Total Benefits:Ifaninjuredworkerisdisabledforaperiodofmorethansevendays,heorshewillbeeligibletoreceivetemporarytotalbenefit,retroactivetothefirstdayoflosttime.Thebenefitwillbepaidatarateof70%oftheworker’saverageweeklywage,nottoexceedthestatutorymaximumrateorfallbelowthestatutoryminimumrateestablishedannuallybytheCommissionerofLaborandWorkforceDevelopment.Thesebenefitsareprovideduntiltheworkerhasreturnedtowork,hasreachedmaximummedicalimprovement,orhasreachedthestatutory400-weekmaximum.
Permanent Partial Benefits:Whenajob-relatedinjuryorillnessresultsinapermanentbodilyimpairment,benefitsarebasedontheindividual’sfunctionalloss.Thesebenefitsarepaidweeklyandaredueafterthedatetemporarydisabilityends.
Permanent Total Benefits:Whenaworkinjuryorillnesspreventsaworkerfromreturningtoanytypeofgainfulemployment,heorshemaybeentitledtoreceivepermanenttotaldisabilitybenefits.Theseweeklybenefitsareprovidedinitiallyforaperiodof450weeks.Benefitscontinuebeyondtheinitial450weeksprovidedthattheinjuredworkerisabletoshowthatheorsheremainstotallydisabled.Thebenefitsarepaidweeklyandarebasedupon70%oftheaverageweeklywage,nottoexceedthestatutorymaximumorfallbelowthestatutoryminimum.
Death Benefits:Dependentsofaworkerwhodiesasaresultofawork-relatedinjuryorillnessmaybeeligibletoreceivedeathbenefitsandfuneralexpensesupto$3,500.Theweeklybenefitsare70%ofthewageofthedeceasedworker,nottoexceedthestatutorymaximum.
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III. INSURANCE REQUIREMENTS
• TYPES OF COVERAGENewJerseylawrequiresthatallNewJerseyemployersnotcoveredbyfederalprogramshaveworkers’compensationcoverageorbeapprovedforself-insurance.Evenout-of-stateemployersmayneedworkers’compensationcoverageifacontractofemploymentisenteredintoinNewJerseyorifworkisperformedinNewJersey.Coveragemaybeobtainedinoneoftwoways:
Workers’ Compensation Insurance PolicywrittenbyamutualorstockcarrierauthorizedtowriteinsuranceinNewJersey.Premiumsforsuchinsurancearebasedontheclassification(s)oftheworkbeingperformedbyemployees,theclaimsexperienceoftheemployer,andthepayrolloftheemployer.
Self-InsurancethroughapplicationtoandapprovalbytheCommissioneroftheDepartmentofBankingandInsurance.Approvalforself-insuranceisbaseduponthefinancialabilityoftheemployertomeetitsobligationsunderthelawandthepermanenceofthebusiness.Thepostingofsecurityforsuchobligationsmayberequired.
Aself-insuredemployerhastheoptionofadministeringitsownworkers’compensationclaimsorcontractingwithathird-partyadministrator(TPA)toprovidetheseservices.Formoreinformationaboutself-insurance,pleaserefertoN.J.S.A.34:15-77oftheNewJerseyWorkers’CompensationstatuteorcontacttheDepartmentofBankingandInsuranceat(609)292-5350, ext.50099.
Note:Governmentalagenciesarerequiredtoprovideworkers’compensationbenefitstotheiremployeesbutarenotrequiredtopurchaseinsuranceorreceiveapprovalasaself-insurer.Theygenerallyeither1)obtainaninsurancepolicy,2)participateinaninsurancepool,or3)maintainaseparateappropriationforworkers’compensation.
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The following employing entities must have workers’ compensation insurance in effect:
Corporations –AllcorporationsoperatinginNewJerseymustmaintainworkers’compensationinsuranceorbeapprovedforself-insurancesolongasanyoneormoreindividuals,including corporate officers, performservicesforthecorporationforprior,currentoranticipatedfinancialconsideration.*
Partnerships/LLCs – Allpartnershipsandlimitedliabilitycompanies(LLCs)operatinginNewJerseymustmaintainworkers’compensationinsuranceorbeapprovedforself-insurancesolongasanyoneormoreindividuals,excluding partners or members of the LLC, performservicesforthepartnershiporLLCforprior,currentoranticipatedfinancialconsideration.*
Sole Proprietorship – AllsoleproprietorshipsoperatinginNewJerseymustmaintainworkers’compensationinsuranceorbeapprovedforself-insurancesolongasanyoneormoreindividuals, excluding the principal owner, performsservicesforthebusinessforprior,currentoranticipatedfinancialconsideration.*
*Financialconsiderationmeansanyremunerationforservicesandincludescashorotherremunerationinlieuofcashsuchasproducts,services,sharesoforoptionstobuycorporatestock,mealsorlodging,etc.
• DEFINITION OF “EMPLOYEE”TheNewJerseyWorkers’CompensationActisliberallyinterpretedwithrespecttothedefinitionof“employee”andisbroaderthantheInternalRevenueCodeandUnemploymentCompensationstatute.Avarietyofworkingrelationshipshavebeendeterminedtobethatofanemployer-employee,includingsomethatwouldnotappeartobeatypicalemploymentsituation.Further,acontractorotheragreementastowhetheranindividualisanemployeeisnotbindingindeterminingwhetheranemployee–employersituationispresent.
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NewJerseycourts,indecidingthisissue,havedevelopedtwotests:the“controltest”andthe“relativenatureoftheworktest.”
Underthe“controltest,”therelationshipbetweenabusinessandtheindividualisreviewed.Thereisemploymentifthebusinessretainstherighttosupervisetheindividualandcontrolwhatisdoneaswellashowitshallbedone.
Underthe“relativenatureoftheworktest,”thereisemploymentifanindividualreliesonincomefromthebusinessandtheworkperformedbytheindividualisanintegralpartoftheactivitiesofthebusiness.
Ifanyorbothofthesetestsaremet,anemployee–employerrelationshipisestablished.
• OBTAINING WORKERS’ COMPENSATION COVERAGETheNewJerseyCompensationRatingandInspectionBureau(NJCRIB),anagencyintheNewJerseyDepartmentofBankingandInsurance,isresponsibleforestablishingandmaintainingregulationsandpremiumratesforworkers’compensationandemployers’liabilityinsurance.
Workers’compensationinsurancecoveragecanbeobtainedfromanyofthemorethan400privatelicensedinsurancecompaniesauthorizedtosellworkers’compensationpoliciesinNewJersey.Apolicycanbepurchaseddirectlyfromaninsurancecarrier,aninsuranceagent,oraninsurancebroker.Forassistancewithobtainingcoverage,pleasecontact:
NewJerseyCompensationRatingandInspectionBureau60ParkPlaceNewark,NJ07102www.njcrib.com(973)622-6014
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• INSURANCE PREMIUM RATESTheprimarydeviceusedtodetermineworkers’compensationinsurancepremiumsistheclassificationsystem,whichgroupsNewJerseybusinessesintovariousclassifications.Thepurposeofthissystemistobringtogether,withineachclassification,employersengagedinthesametypeofbusiness.Accompanyingeachclassificationisaratethatrepresentstheaveragework-injuryexperienceforthatclassification.Thisrateisadjustedannuallyaccordingtothelatestavailablework-injuryexperiencedata.
Itisalsorecognizedthatnotwoemployers,althoughtheymaybeinthesamebusiness,haveexactlythesameoperationsoridenticalconditionsofemployment.Withinanygivenclassification,thereareemployerswithbetter-than-averageworkinjuryexperienceandthosewithworse-than-averageworkinjuryexperience.Toaccountforsuchdifferences,anadditionalrefinementtotheclassificationsystemisofferedthroughanotherprogramknownastheExperienceRatingPlan.Inthisplan,anemployer’sownworkinjuryexperienceisusedtomodifyitspremium,higherorlower,bycomparingittotheaveragework-injuryexperienceofallemployersintheclassificationtowhichtheemployerisassigned.
Formoreinformationonhowratesareestablished,youmaywishtovisitNJCRIB’sWebsite: www.njcrib.com.
• WHAT A WORKERS’ COMPENSATION POLICY COVERSAworkers’compensationpolicycoversthefollowing:
For injured employees:•Reasonablemedicalservicesnecessarytotreatthejobinjuryorillness•Temporarydisabilitybenefitstohelpreplacelostwagesupto statutorymaximum•Permanentdisabilitybenefitstocompensateforthecontinuedeffectsoftheinjury•Burialanddeathbenefitsfordependentsincasesoffatalinjury
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For employers: •Coverageoffinancialliabilitiesforwork-relatedinjuriesandillnesses
•Legalrepresentation
• PENALTIES FOR FAILURE TO INSURETheconsequencesforfailuretoprovideworkers’compensationcoveragecanbeverysignificant,evenwithoutawork-relatedinjury.Specifically,thelawprovidesthatfailingtoinsureisadisorderlypersonsoffenseand,ifdeterminedtobeknowing,acrimeofthefourthdegree.Moreover,penaltiesforsuchfailurecanbeassessedupto$5,000forthefirst10dayswithadditionalassessmentsof$5,000foreach10-dayperiodoffailuretoinsurethereafter.Inthecaseofacorporation,liabilityforfailuretoinsurecanextendtothecorporateofficersindividually.Penaltiesassessedforfailuretoinsurearenotdischargeableinbankruptcy.
Whereawork-relatedinjuryordeathhasoccurred,theemployer,includingindividualcorporateofficers,partnersormembersofanLLC,isdirectlyliableformedicalexpenses,temporarydisability,andpermanentdisabilityordependencybenefits.Inadditiontoawardsformedicalexpensesandotherbenefits,NewJerseylawalsoprovidesforcivilpenaltiesagainsttheemployeranditsofficerswherefailuretoinsureisdetermined.Awardsandpenaltiesarisingfromtheseclaimscanbecomeliensagainsttheuninsuredemployeranditsofficers,whicharegenerallyenforceableintheNewJerseySuperiorCourtagainstanyassetsbelongingtotheuninsuredemployeranditsofficers.
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IV. BEFORE AN INJURY OCCURS
• POSTING NOTICENewJerseylawrequireseveryemployertopostandmaintain,inaconspicuousplaceorplacesinandabouttheworksite,aformprescribedbytheCommissioneroftheDepartmentofBankingandInsurance,statingthattheemployerhassecuredworkers’compensationinsurancecoverageorhasqualifiedwiththeDepartmentofBankingandInsuranceasaself-insuredemployer.
Forinsuredemployers,thenoticemustincludethenameoftheinsurancecarrierandotheritemsasrequiredbytheDepartmentofBankingandInsurance.Toobtaincopiesofthisnotice,employersshouldcontacttheirinsurer.
HOW UNINSURED EMPLOYERS ARE IDENTIFIED
Stateemployerrecordsarecompared,or“cross-matched,”withthedatabaseattheDepartmentofBankingandInsurance’sCompensationRatingandInspectionBureau(NJCRIB)onaregularbasistoidentifyuninsuredemployers.
Whenanemployerisidentifiedthroughthiscross-matchasapossiblyuninsuredemployer,aletterandacross-match response formisissued.Mandatoryinsuranceshouldbeimmediatelyobtainedifanemployerisuninsuredandverificationofinsurancemustbeprovided.Penaltiesmaystillbeassessedforfailuretohaveinsuranceatthetimeofthecross-match.
Ifyouareanemployerthathasinsuranceandhasreceivedthisform,youshouldprovidetheinformationrequestedaboutyourworkers’compensationcoverageassoonaspossibletoensurethatpenaltiesarenotimproperlyassessedagainstyou.
Also,ifyouareawareofanuninsuredemployer,youmayprovidethisinformationtotheDivisionofWorkers’Compensationbye-mail([email protected]),bycalling(609)292-0165orbycompletingandsubmittinga“ReportofNon-Compliance”form,availableontheWebsiteoftheDivisionofWorkers’Compensation.Youneednotidentifyyourselfbutyoushouldbepreparedtoprovidethenameandexactaddressoftheemployerand,ifpossible,thenamesoftheprincipleoperatorsofthebusiness.
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• ESTABLISH CLEAR PROCEDURES FOR EMPLOYEES AND MANAGERS Atthetimeofhireandperiodicallythereafter,employeesshouldbeprovidedthefollowinginformation: •Anexplanationoftheirworkers’compensationcoverageand
benefits •How,when,andtowhomtoreportaninjury •Wheretogoformedicaltreatmentifinjuredwhileworking
TheDivisionofWorkers’Compensationhasageneralbrochureonworkers’compensationavailableforinjuredworkers,called“AWorker’sGuidetoWorkers’Compensation.”Thebrochure,whichcanbedownloadedfordistributiontoemployeesfromthedivision’sWebsite (www.nj.gov/labor/wc),isavailableinEnglishandSpanish.
V. REPORTING WORK ACCIDENTS AND OCCUPATIONAL EXPOSURES
Everyworkaccidentoroccupationalexposureshouldberecordedonanaccidentreportform.Suchdocumentationshouldpromptanimmediateinvestigation,whichnotonlyassistsindeterminingthecauseoftheaccidentorexposure,butisalsoimportantinthepreventionoffutureaccidents.
Whenanemployerreceivesnoticeaboutawork-relatedaccidentoroccupationalexposure,itshouldnotifyitsinsurancecarrierorthird-partyadministrator(TPA)immediatelysothataFirstReportofInjuryformcanbefiledbythecarrierorTPAwiththestateofNewJersey.Thisform,whichisfiledelectronically,givestheDivisionofWorkers’Compensationinitialinformationabouttheworkaccidentorexposureandanyresultinginjuries.AcopyofthisreportissentbythecarrierorTPAtotheemployerforverificationoftheinformationsubmitted.
Within26weeksaftertheworkerhasreachedmaximummedicalimprovementorhasreturnedtowork,theinsurancecarrierorTPAmustelectronicallyfileasecondreport,calledaSubsequentReportofInjury,withthestate.Informationfromthisreport,includinganexplanationofanybenefitspaidontheclaim,isalsosenttotheinjuredworker.
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VI. HOW TO REDUCE WORKERS’ COMPENSATION COSTS
• ESTABLISH A SAFETY PROGRAMThebestwayforanemployertolowerworkers’compensationcostsistopreventinjuriesfromhappeninginthefirstplace.Involveyouremployeesinidentifyinghazardousworkpracticesandpotentiallyharmfulsituations,areas,orequipment.Safetyteamsandcompanyincentivesplayaroleinreducingcosts.Mostimportantly,managementmustbewillingtolistenandputintopracticeappropriaterecommendations.
Manyinsurancecompaniesofferfreeadvicetopolicyholdersabouthowtoestablishandmaintainsafeworkplaces.YoucanalsousetheNewJerseyDepartmentofLaborandWorkforceDevelopment’sfreeOn-SiteConsultationServicetofindoutaboutpotentialhazardsatyourworksitesandimproveyouroccupationalsafetyandhealthmanagementsystems.Informationonthisservicecanbeobtainedbycontacting:
Mail:NewJerseyDepartmentofLaborandWorkforceDevelopment DivisionofPublicSafetyandOccupationalSafetyandHealth P.O.Box953Trenton,NJ08625
Phone:(609)984-0785
Online:nj.gov/labor, thenselectSafety and Health fromtheleftmenubar.
Note:Ifyouareaself-administeredself-insurerorgovernmentalentity,youwillberequiredtofilethesetworeportsdirectlywiththestate.Formoreinformationonhowtofile,pleasevisittheDivisionofWorkers’Compensation’sElectronicDataInterchange(EDI)Webpageat nj.gov/labor/wc, thenselectEmployer/Insurance Carrier Information, then Electronic Accident Reports/EDI.
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• ESTABLISH RETURN-TO-WORK PROGRAMSCreatingreturn-to-workprogramsthatincludeappropriatelight-dutyormodifiedjobscanencourageworkerstoreturntoemploymentsoonerandlowerbusinesscosts.
Inaddition,employerscanpartnerwithmedicalprofessionalsandmanagedcarespecialiststodesignjobsthatwillnotaggravateorre-injureworkerswhohaverecoveredenoughtoreturntowork,butneedadditionaltimebeforeresumingregularduties.Theemployershouldprovideaninjuredworker’sjobdescriptiontohisorhermedicalcareprovider.Suchinformationmayfacilitateearlyreleaseoftheworkertosometypeofmodifiedduty.
Researchershavefoundthatincompaniesofferingreturn-to-workprograms,workersfeltmoresatisfiedwiththecaretheyreceived.
• ESTABLISH AND MAINTAIN GOOD COMMUNICATION WITH INJURED EMPLOYEESPre-Injury:Frequentlycommunicateworkers’compensation-relatedinformationtoemployeesinplain,straightforwardlanguage.Publicizecompanyproceduresforjob-relatedinjuriesorillnessesandencourageearlyreportingofsuchinjuries.Letworkersknowwhichdoctorstheymustseeforwork-relatedclaims.Whenworkersreceivepriorcommunicationaboutwhattodowhenawork-relatedinjuryorillnessoccurs,theyaremorelikelytofollowtheemployer’sestablishedprocedures. Whenthesameinformationisreceivedafteraninjuryhasalreadyoccurred,employeereactionandresponsemaybelesspositive.
Post-Injury:Employersshouldactivelybecomeinvolvedineveryworkers’compensationcase.Communicateonaregularbasiswithyouremployeeswhoaredisabledwithworkrelatedinjuries.Thecommunication,whetheritisbytelephoneorinperson,shouldbepositiveandupbeat.
Ifyourcompanyconductsanaccidentinvestigation,keepinmindthatanimportantpurposeofsuchaninvestigationshouldbetodeterminehowtheaccidentoccurredsothatsuchoccurrencescanbepreventedinthefuture.
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Studieshaveshownthatpriorcommunicationandpost-injurydemonstrationsofconcernbytheemployercanresultinhigherlevelsofworkersatisfactionandreducedtimelostfromwork—factorsthatcontributetolowerprogramcosts.
• ENSURE PROMPT TREATMENT FROM THE RIGHT MEDICAL PROVIDERSHelpingtheinjuredworkergetimmediatemedicalattentionpaysoffforbothworkerandemployeronseverallevels.Typically,thesoonerinjuredworkersreceivepropertreatment,thesoonertheymayreturntowork.
UndertheNewJerseyworkers’compensationlaw,theemployerand/oritsinsurancecarrierselectthemedicalproviderstotreatinjuredworkersforwork-relatedinjuries.Suchcontrolofmedicaltreatmentisanimportantemployerrightandobligation.
Whenaworkplaceaccidentoroccupationalexposureoccurs,theinjuredworkershouldbeofferedpromptmedicaltreatment.Employersshouldkeepinmindthatprovidingmedicalcoverageisnotconsideredanadmissionofliability(N.J.S.A.34:15-15).
VII. CLAIM PETITIONS IN WORKERS’ COMPENSATION
Employeeswhoareinjuredonthejobmayfileaworkers’compensationclaimpetitionwiththeNewJerseyDivisionofWorkers’Compensation.Issuesmayincludecompensabilityoftheclaim(whethertheinjury/illnessisconsideredworkrelated),thetypeandextentofmedicaltreatment,and/orthepaymentoftemporarydisabilitybenefits.Further,aclaimpetitionmayseekpermanentdisabilitybenefitsand,incasesofallegedjob-relateddeath,dependencybenefits.Workersaregenerallyrepresentedbyanattorneybuttheymayfileaclaimpetitionontheirown(prose).Aninsurancecarrierwillusuallyprovidealegaldefenseonbehalfofacoveredemployer.Ifyouareaself-insuredcorporation,itisrequiredthatyouoryourthird-partyadministratorobtainlegalrepresentationtodefendyourinterests.
Thevastmajorityofclaimpetitionsaresettledbymutualagreementastotheamountofbenefitsdueandextentofdisability.Incaseswhereanagreementisnotreached,aworkers’compensationjudgewillresolvethedisputedissues.
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Aninsurancecarrier,drawingontheirextensiveknowledgeofthelawandtakingintoconsiderationallthepertinentfactsofthecase,canmakeadecisiontoacceptordenyaclaim.Stayawareofwhetherclaimsareinvestigatedtimely,whetherbenefitsarebeingpaidontime,andwhetherclaimsarebeingdisputedoraccepted.Theemployerplaysakeyroleinworkingwiththecarrierandtheinjuredworkertoensurethatthesystemworkssmoothlyandfairly.
VIII. WHAT ELSE DOES AN EMPLOYER NEED TO KNOW?
• DISCRIMINATION COMPLAINTSItisunlawfulforanyemployertodischargeorotherwisediscriminateagainstanemployeebecausetheemployeeclaimedorattemptedtoclaimworkers’compensationbenefitsorbecausetheemployeetestifiedorisabouttotestifyinaworkers’compensationmatter.TheDivisionofWorkers’Compensationisresponsibleforinvestigatingsuchclaims.
• SECOND INJURY FUNDTheSecondInjuryFund(SIF),whichisadministeredbytheDivisionofWorkers’Compensation,makesbenefitpaymentstoinjuredworkerswhoaretotallyandpermanentlydisabledasaresultofwork-relatedinjuriescombinedwithpre-existingdisabilities.
TheSecondInjuryFundwasestablishedtoencourageemployerstohiredisabledworkers.Theemployeronlypaysforthework-relatedaspectofthetotaldisabilityaward.
• DIVISION OF WORKERS’ COMPENSATION WEB SITETheDivisionofWorkers’CompensationmaintainsanInternetWebsitethatcontainsthelatestinformationonNewJerseyworkers’compensation,includinglegalandadministrativeprocedures,formsandbrochures,statisticaldata,andprogramdetails.
TheWebaddressishttp://nj.gov/labor/wc/
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• CONTACTS FOR QUESTIONSIfyouhavequestionsaboutNewJersey’sworkers’compensationprogram,pleasecontact:
New Jersey Department of Labor and Workforce Development Division of Workers’ CompensationP.O. Box 381Trenton, NJ 08625-0381(609) 292-2515Fax: (609) 984-2515 e-mail: [email protected]
Ifyouhavequestionsaboutworkers’compensationinsuranceratesorobtainingcoverage,pleasecontact:
New Jersey Compensation Rating and Inspection Bureau60 Park PlaceNewark, NJ 07102 www.njcrib.com(973) 622-6014
WC-373 (10/11)
New Jersey Department of Labor and Workforce Development Division of Workers’ Compensation
P.O. Box 381Trenton, NJ 08625-0381
(609) 292-2515Fax: (609) 984-2515
e-mail: [email protected]