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New Jersey Workers' Compensation vs. Personal Health Insurance

If you are hurt at work, you may need medical treatment to recover. Your employer is responsible for for paying for that treatment. However, that does not mean your employer must provide you with health insurance. Workers' Compensation benefits and health insurance are two completely different things. We'll help you understand the difference.

Many times, an individual or group health insurance plan will not cover work-related injuries. The same goes for illnesses contracted during the course of your employment. Instead, you should apply for Workers' Compensation benefits.

Workers' Compensation Should Cover Any On The Job Injury Situation

Workers' Compensation is a program designed to help workers recover after on-the-job injuries. These benefits are far more comprehensive than healthcare insurance. You will receive compensation even if your accident or illness is your fault. Benefits include:

  • Medical costs – The cost of the treatment you need for your injury

  • Temporary disability – When your disability persists for more than seven days and you are unable to work.

  • Permanent disability – A cash settlement awarded at the end of the case if the worker has a permanent loss of function from the work injury.

  • Dependency benefits – Benefits for a worker's dependents if the injury resulted in death.

Health Insurance Should Not Pay for a Work Injury

Your employer may tell you to use your own health insurance for a NJ work injury. This is not correct. You could end up paying the price out of pocket. Workers' Compensation should have no co-pays or deductibles.

Have questions about NJ workers' compensation law? Get in touch with a NJ work injury lawyer today. Manfred Ricciardelli has 20 years of experience protecting the rights of injured workers. He will help you understand your rights and fight to get you and your family the compensation you deserve. To schedule a free consultation, contact us at 973-285-1100.


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