Quick Answer
Complete guide to New Jersey workers' compensation including filing with Division of Workers' Compensation, benefit calculations, and permanent disability awards.
New Jersey workers' compensation provides medical treatment and wage replacement for injured workers, administered by the Division of Workers' Compensation. If you've been injured at work in NJ, you're entitled to comprehensive no-fault benefits.
New Jersey offers strong benefits including up to 70% wage replacement, full medical coverage, and substantial permanent disability awards. Understanding NJ workers' comp laws ensures you receive full benefits.
Quick Facts: New Jersey Workers' Compensation
| Topic | New Jersey Law | Most States |
|---|---|---|
| Coverage | 1+ employees | Varies (1-4+) |
| Temporary Disability | 70% of average weekly wage | 60-70% AWW |
| Maximum Weekly (2026) | $1,063/week | Varies |
| Filing Deadline | 2 years from injury | 1-3 years |
| State Agency | Division of Workers' Compensation | Varies |
Who Is Covered
Employer threshold: 1+ employees
Covered: Full-time, part-time, seasonal, temporary, undocumented workers
Exemptions: Independent contractors, casual labor, sole proprietors, domestic workers (some)
Benefits Available
Medical Benefits
Coverage: All reasonable and necessary treatment
No cost: No deductibles or co-pays
Includes: Doctors, hospital stays, surgery, prescriptions, therapy, equipment
Doctor selection: Employer provides list of 5 physicians; employee chooses from list
Temporary Disability
Amount: 70% of average weekly wage (higher than most states)
Maximum (2026): $1,063/week
Waiting period: 7 days (retroactive after 7 days)
Duration: Up to 400 weeks
Permanent Disability
Partial: Based on percentage of permanent disability
Total: 70% of AWW for life
Scheduled injuries: Fixed weeks for specific body parts
Death Benefits
Burial: Up to $10,000
Dependency: 70% of wages to surviving dependents (max $1,063/week)
Filing Process
Step 1: Report to employer within 14 days (90 days for occupational disease)
Step 2: Choose physician from employer's list
Step 3: Employer files First Report
Step 4: If denied, file Claim Petition
Deadline: 2 years from injury
Learn more: How to File a New Jersey Workers' Comp Claim
New Jersey Division of Workers' Compensation
Website: www.nj.gov/labor/wc/wc_index.html
Services: File claims, hearings, access forms
Phone: (609) 292-2515
Covered Injuries
- Work-related accidents
- Occupational diseases
- Repetitive stress injuries
- Aggravation of pre-existing conditions
Not covered: Willful misconduct, intoxication, off-duty injuries
Learn more: Covered Injuries in New Jersey Workers' Comp
Retaliation Protections
New Jersey law (N.J.S.A. 34:15-39.1) prohibits discrimination for filing claims.
Remedies: Reinstatement, back pay, damages
Learn more: New Jersey Workers' Comp Retaliation
FAQs
Q: How much will I receive? A: 70% of average weekly wage, maximum $1,063/week (2026).
Q: Can I choose my doctor? A: Yes, from employer's list of 5 physicians.
Q: How long to file? A: 2 years from injury.
Q: Can I be fired? A: No. New Jersey prohibits retaliation.
Q: Need a lawyer? A: Consider one for denied claims or permanent disability.
Related New Jersey Topics
Legal Disclaimer
This guide provides general information about New Jersey workers' compensation laws. It is not legal advice. Consult a qualified New Jersey workers' compensation attorney.
Last updated: January 5, 2026
Frequently Asked Questions
Who Is Covered?
What is medical Benefits?
What is temporary Disability?
What is permanent Disability?
What is death Benefits?
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