Workers' Comp Reform Instituted

Posted on October 7, 2008 by Frank Crivelli

On October 1, 2008, Governor Jon Corzine signed into law five bills aimed at fixing New Jersey’s Workers’ Compensation System. Significantly, the bills should reduce the long delays in making injured workers whole. The legislation, the State’s first workers’ compensation overhaul in thirty years, was the product of public hearings that followed a series of articles in the The Star-Ledger of Newark that were critical of systemic delays. The articles also described a bureaucracy that was easily manipulated by employers and their attorneys. 

The bills give workers’ comp judges more authority to enforce their orders, penalize employers who fail to provide workers’ comp insurance coverage for their workers, and ensure that employees injured on the job are given prompt and adequate treatment as well as short term disability benefits. In pertinent part, the bills provide:

  • S-1913: Permits workers’ comp judges to hold a separate hearing on any issue of contempt, and if contempt is found, the successful party can file a motion in Superior Court for enforcement. A judge may also impose costs and simple interest on money due and, in the event of an unreasonable delay, may award legal fees of up to 20 percent of the award.
  • S-1914: Strengthens enforcement actions against employers for failure to provide workers’ comp coverage. Those employers that knowingly fail to provide coverage can be charged with a second, third, or fourth degree crime and can be fined up to $5,000.
  • S-1915: Requires all employers to submit proof of workers’ comp coverage as part of its annual report. If a statement of proof is not included, the annual report will not be considered as properly filed.
  • S-1916: Requires that when a doctor states an injured worker is in need of emergent medical care that employer has not authorized, the worker can file a request for treatment with the Division of Workers’ Compensation. The division and the employer must answer the request within five calendar days.

It will be interesting to see how these new measures alter the landscape of the New Jersey Workers’ Compensation System. Hopefully, these laws will prove to be adequate in aiding injured workers and ensuring unscrupulous employers and persons will not be able to “work” the system.       

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Medical Benefits Under The New Jersey Workers' Compensation Act

Posted on July 18, 2008 by Frank Crivelli

We haven’t spoken about the New Jersey Workers’ Compensation system in a little while and there is still a great amount of information regarding the available benefits that all public safety officers and first responders should be made aware of. With that being said, let’s talk a little about medical benefits under the New Jersey Workers Compensation Act. 

Under the New Jersey Workers’ Compensation system, the injured employee is entitled to reasonable and necessary medical treatment to cure and relieve the effects of the injury, illness, or condition that occurred either on the job or as a result of the job. In New Jersey, due to the fact that the employer is responsible for payment of 100% of the injured worker’s medical treatment associated with the workplace injury, the employer has the right and ability to control treatment. What this means, is that the employer or the employer’s workers’ compensation insurance carrier will select the doctors that will treat the injured worker for his or her injury. 

When the injured worker is treated by medical physicians that have been chosen by the employer or the employer’s insurance company, this treatment is commonly referred to as “Authorized Treatment”. However, if the injured employee receives treatment for his or her workplace injuries from physicians, doctors, or hospitals that have not been chosen or authorized by the employer or the employer’s insurance company, this particular treatment is referred to as “Unauthorized Treatment”. 

The New Jersey Workers’ Compensation Act only requires employers to make payment for “authorized treatment” in a New Jersey workers’ compensation case. Therefore, should an injured employee obtain treatment from physicians or medical providers that have not been chosen by their employer or their employer’s insurance company, he or she may be responsible for paying these medical bills out of his or her own pocket.

It is important for an injured employee to understand that the only medical treatment that has to be provided under The New Jersey Workers’ Compensation Act is treatment that is medically necessary to cure and relieve the effects of the injury or condition. Palliative medical treatment does not have to be provided by the employer. Palliative medical care has been described as medical care or treatment that concentrates on reducing the severity of pain associated with the injury, rather than halting or delaying the progression of the injury itself. To clarify, palliative medical treatment is care that provides pain relief only. It is not medical care or treatment that will improve the medical condition of the injured worker.

Medical treatment under the New Jersey Workers Compensation Act must continue until one of two events occurs; the employee is returned to work, or in the alternative, a doctor declares that the employee has reached maximum medical improvement or “MMI”. When one of these two events occurs, medical benefits and temporary total disability benefits will cease, and the injured employee’s claim will move to the establishment of a permanent disability rating and thus the settlement of the case. We will discuss permanent disability and partial total disability in a later entry.   

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