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How do I know whether my employer has workers’ compensation insurance?

All New Jersey employers are required to carry an insurance policy that provides workers’ compensation benefits or to have an approved self-insurance plan.

Your employer should prominently display proof of workers’ compensation insurance coverage somewhere in the workplace. It is often displayed in the human resources office. You can also obtain information by contacting the Compensation Rating & Inspection Bureau in Newark.

If your employer doesn’t have workers’ compensation insurance, you can file a formal claim petition seeking medical expense and temporary disability benefits from the Uninsured Employers Fund. The UEF would pursue a hearing in which a judge would penalize your employer for non-compliance and enter an order for compensation to you.

Upon application by your workers’ compensation attorney, the UEF is to pay the temporary disability benefits and medical expenses included in the judge’s order.