New Jersey Workers’ Compensation: Most Common Risks

When most people hear the term “New Jersey Workers’ Compensation”, they tend to think of dangerous or at least manual labor, jobs. This may include the construction field, the healthcare field, auto care, and even retail. Workers’ Compensation is certainly a necessary coverage for these industries; however an often forgotten field that it’s also necessary in, is office jobs. This could include accountants, computer programmers, attorneys, etc. You may be thinking, what’s so dangerous about these jobs? It’s not that these careers are inherently dangerous; it’s that the risks present could prove costly should employees need medical treatment.

So what are the top New Jersey Office Job Workers’ Compensation Risks?

– Carpal Tunnel Syndrome.
This syndrome is actually quite common in people who regularly type or do some other repetitive motion on a daily basis. What happens is that there is excessive pressure on the median nerve in the wrist that allows feeling and movement to party of the hand. Carpal Tunnel can lead to numbness, tingling, weakness, and pain. It can often be treated with a wrist brace, but sometimes requires costly surgery.

– Lower-Back Pain.
Back pain is a major reason for missed work for adults of all ages, according to the Georgetown University Center on an Aging Society. Unfortunately, this is a common complaint of many people who have no choice but to sit hours on end. The problem is exasperated if the worker has bad posture.

– Eyestrain.
It’s very common for individuals who are on a computer all day to develop eyestrain. At best, this is just a nuisance, causing temporary blurry vision or headaches. However, more serious symptoms could eventually result such as severe headaches and nausea, or muscle injury from one adjusting their posture to get a better look at their computer screen.

Knowing what risks office workers face can help your clients who work in these professional services fields, by making them aware of their need to prevent accidents and injuries. Proper training in injury prevention can go a long way. In our next post, we’ll look at some preventive tips your clients could follow to potentially avoid these New Jersey Office Job Workers’ Compensation Risks.


Workers’ Compensation & Options if Hurt at Work Due to Employer Negligence — NJ Lawyer Sam Gaylord

New Jersey worker’s compensation attorney Sam Gaylord discusses your options if you’ve been hurt at work and your employer is found to be negligent in your accident.

Worker’s compensation is a law that allows you as the employee to receive medical treatment and temporary disability benefits as paid by your employer. In exchange, you are unable to sue your employer for any accident.

However, you may find out that the accident was caused or contributed by your employer themselves. If they are found to be negligent in keeping you safe, you may be able to bring a lawsuit to receive compensation for your injuries. They must be held responsible for the harms and losses you have suffered because they failed in following safety rules and regulations that protect their employers. Watch the video to learn more.

NJ Workers’ Comp: Heat Stroke

NJ Workers’ Comp: Heat Stroke
As the extreme heat of the summer months persists, workers whose jobs are predominantly outside are at risk of suffering heat stress and heat stroke. However, in order to collect New Jersey Workers’ Compensation for this condition, there are specific guidelines that need to be proven. Moreover, protecting your employees from heat stroke is essential to deter against these claims.

Generally, Workers’ Compensation can be provided to those who can prove their heat stroke was caused or worsened by the essential job functions or work conditions. Although a preexisting condition could be present, the employer would be liable for paying the damages if the given work conditions worsened it. Given this fact, let’s take a closer look at ways to prevent employees from heat stroke.

Heat Exposure Safety- It is critical for employers to provide a written outdoor heat exposure safety program. In addition, providing information on identifying heat stroke symptoms and noting environmental and personal factors that contribute to this condition is also necessary.

Water- Employers are responsible for providing water to keep all employees adequately hydrated. Frequent water and resting breaks should be encouraged to reduce the risk. Federal OSHA regulations recommend at least one quart of water per employee per hour, according to Find Law.

Treatment- If employees show signs of heat stroke, they must be immediately relieved from duties and rest in a shaded area to reduce body temperature. In some states, employers are required to provide shaded areas so employees can take resting breaks while on duty.

At Associated Specialty Insurance Agency (ASIA), we are dedicated to providing Workers’ Compensation solutions throughout our target states of New Jersey, Pennsylvania, New York, Connecticut, Delaware, Maryland, Virginia, North Carolina and Florida. Our responsive service, quick submission and quote turnaround, and longstanding relationships with carriers are the foundation of our business. For more information, we invite you to contact us today at (866) 679-7457.

New Jersey Workers’ Compensation Fraud

New Jersey Workers’ Compensation Fraud is, unfortunately, one of the most common types of employee dishonesty there is. It is illegal, but that does not always stop employees, and even business owners, from attempting to make false claims anyway. This type of fraud adversely affects the bottom lines of not only your clients, but you and your carrier as well. New Jersey Workers’ Compensation Fraud also leads to higher insurance premiums for honest businesses, and causes a loss in commission for insurance agents.

Workers’ comp fraud can’t always be avoided; however there are steps your clients can take to potentially reduce their risk of being faced with this type of employee dishonesty. In the first part of this 2 part post, we’ll look at the warning signs of New Jersey Workers’ Compensation Fraud that employers should look out for.

-Reporting an injury on a Monday morning.
It’s typically a red flag if an employee claims they injured themselves first thing on Monday morning, or they injured themselves Friday but waited until Monday to report it.

-Late Reporting.
Typically if an employee injures themselves, they will report it right away. Waiting a week or longer is not only a mistake on their part, but a red flag that says they may not have actually incurred the injury on the job.

-Odd timing.
Did the reported accident happen right before or after a strike, termination, layoff, or near the end of seasonal work?

-No witnesses.
If the employee’s account of what happened doesn’t make sense, and there were no witnesses, this is a major red flag.

-Refused treatment.
The claimant refuses a diagnostic procedure to determine the actual cause of the injury.

These are just a few ways that your clients may suffer because of Workers’ Compensation Fraud. It’s imperative to remember that insurance agents and brokers may be victimized as well. So what should you look out for? Check to make sure that reported injuries are consisted with purported job titles or duties, look to see if the business has a habit of avoiding audits, and ensure that the business’s previous carrier did not drop coverage for the business based on fraud.

At the Associated Specialty Insurance Agency, Inc. (ASIA), we understand that New Jersey Workers’ Compensation Insurance is a front-and-center issue for employers, the insurance distribution system, Workers’ Compensation boards, and state legislatures. Insurance agents and brokers with access to competitive markets will not only capitalize on the ability to secure coverage for their clients, but they can also now leverage an improving economy set to spur the Workers’ Compensation industry with an increase in jobs and payroll exposure. Please contact us at (866) 679-7457 today to learn more about our Workers’ Compensation solutions for a wide variety of Targeted Industries.

Are All Medical Bills Covered Under NJ Workers Comp? If you have been injured at work, you may know by now that medical care and treatment can be very expensive. From the initial emergency room visit and tests to doctor’s appointments and even surgery, medical bills pile up fast. Find out here in this video if all your medical expenses will be covered under the New Jersey workers’ compensation program. The New Jersey workers’ compensation system automatically provides injured workers with medical treatment. In fact, the insurance company will inform you which doctor to work with. As long as you see the doctor the insurance company recommends and follow through on the recommended medical care, your medical bills should be paid for by the insurance company. However, sometimes, the initial ER visit and tests such as an MRI or x-ray fall through the cracks. An experienced New Jersey workers’ compensation lawyer can speak to the provider and insurance company on your behalf to get your medical bills taken care of. Contact the knowledgeable workers’ comp attorneys at Gaylord Popp for a free initial consultation at 855-850-7856 or 609-246-0668 or contact us online at .

Your Rights in the Workers Compensation Court– New Jersey. Jay H. Bernstein

Your Rights in the Workers Compensation Court– New Jersey. Jay H. Bernstein
********CERTIFIED BY THE SUPREME COURT OF NEW JERSEY AS A WORKERS’ COMPENSATION LAWYER************ ONLY 5% of NJ lawyers achieve Certification by the NJ Supreme Court, as Experts in their field, Competent, and Ethical.************
Jay H Bernstein Certified Attorney Workers Compensation, NJ Supreme Court.
201 519-6785 17 Academy St, Newark, N.J.
You have four basic rights in NJ Work Comp Court:
a. The right to free medical care with an insurance company doctor.
b. The right to temporary wage replacement while the company doctor treats and holds you out of work.
c. The right to an award of money if your medical disability is permanent.
d. The right to see the Judge if you need immediate treatment or temporary pay.

Jay H Bernstein Certified Workers Compensation Lawyer 201 519-6785 20 years experience. Newark NJ

Light Duty Work and Workers Comp Doctor in NJ

workers comp doctor NJAccording to the law, an injured worker is expected to do the offered light duty work, when workers comp doctor NJ has released the employee to do such work. Usually the insurance provider pressures the employer to provide the injured worker with light duty work, as they need to pay less in medical benefits and temporary disability income when the employee resumes work soon after the accident.

Issues with Light Duty Work

Workers comp doctor NJ might clear the injured employee to do light duty work, but there are some issues with such assignments and the benefits due to the employee.

  • There could be discrepancy in the understanding of the term “light duty” between the employer and the workers comp doctor NJ. For instance, sprain in the lower back is a common injury at a workplace, where employees are doing heavy manual labor. The employer might assign clerical work to the employee, which may seem to be light duty compared to the previous assignment, but can in fact aggravate the condition by sitting on a chair for long hours.
  • Even if the employee is able to do the light duty clerical work physically, he may lack the skills for performing such tasks.
  • When the employee is receiving an income for light duty work, disputes might arise about income benefits.
  • If the employee has returned to work and his condition worsens, there can be problems about again claiming for the same ailment or injury.

Treatment and Maximum Recovery

1Workers comp doctor NJ will provide treatment until the employee has recovered to the maximum extent. This means, any further treatment is not going to bring about any change in the condition of the employee, and does not necessarily mean a complete recovery.

When the employee has suffered from an employment related accident, or is suffering from a repetitive stress injury, it is important to undergo the complete treatment course prescribed by the doctor and stay away from work until maximum recovery. The injured employee can ask the doctor, if the assigned light duty tasks are going to interfere with the treatment or delay the recovery.

A Final Step

If the workers comp doctor NJ, clears the injured employee for light duty work, and the employee has physical problems in completing the tasks, then he can again consult the doctor. If the doctor still insists on continuing with the light duty tasks, the employee can appeal to the New Jersey’s Division of Workers Compensation.

How to Choose the Best NJ Acupuncture Professional

Acupuncture-new-jerseyIf you’ve decided to give acupuncture a try, then of course you’ll want to work with the best NJ acupuncture professional that New Jersey has to offer. This is the person you’re going to trust to stick multiple needles into your skin – maybe even your face. It needs to be someone you’re comfortable with, trust, and get along with. The more comfortable you are, the more relaxed you’ll be, and the more effective your treatment will be.

So how do you find such a person – the perfect, best NJ acupuncture professional for you? First see if any of your friends or family can make a recommendation. If they can, add the names of those recommendations to a list. Then, do some google searching and read client reviews of acupuncture professionals in your area of NJ. After those two steps, you’ll have a good list of potential candidates to be your best NJ acupuncture professional.

1The next step is to draft a list of questions you’ll ask the acupuncturist when you’re in your first consultation with him. You’ll want to ask about his training – what degree he’s earned, what certification he has, etc. Ask about his philosophy for treatment and how long he’s been treating patients. There are many different types of acupuncture – do some research on them and then listen to how potential candidates implement the different types they use. Make sure it coincides with the kind of treatment you’re looking for – as well as the end benefit of the treatment you’re looking for.

Finally, ask any potential candidate how long he thinks treatment will take for your specific condition. If you like all of his answers, philosophy, and personality, then you’ve found the best NJ acupuncture professional – the one that is right for you.