Suffering an injury at work is stressful enough. Injuring yourself on your very first day can feel downright embarrassing. In fact, you might worry that filing a claim will leave an unfavorable impression on your new employer. But here is the truth: your health has to come first. Fortunately, you may have more protection available to you than you realize.
Coverage starts the moment you clock in
In New Jersey, workers’ compensation coverage takes effect the exact moment you begin your employment. The duration of your tenure or your probationary status has no bearing on your eligibility. This is because the workers’ compensation system operates on a no-fault basis. That means the system generally covers you even if the injury was your fault, as long as it occurred in the course of performing work-related duties.
What you should know about the 7-day rule
For lost wages, there is usually a 7-day waiting period. If your injury compels you to miss more than seven days of work, you may qualify for temporary disability benefits. Additionally, should your absence extend beyond 21 days, you can receive retroactive compensation for those first seven days as well. Keep in mind that there is no waiting period for medical care, so you can receive treatment right away.
What to do if you hurt yourself on day one?
Knowing your rights is only half the battle. Taking the appropriate steps following an injury can significantly impact the outcome of your claim. Here is what you should do:
- Tell your employer about the injury without delay: Bring it to the attention of your supervisor, manager or HR representative and make sure you put the details in writing.
- Seek medical treatment through your employer: If it is an emergency, go to the nearest emergency room and contact your employer as soon as reasonably possible.
- Document everything: Record the details of the incident, including the time, date and names of any witnesses and retain copies of all medical records and documentation.
- Get professional help: The claims process can be complex, particularly when it involves calculating your average weekly wage from day one and having the right guidance on your side can make all the difference.
If you feel uncertain about where to begin, the right support can help you navigate the process with greater confidence.
Does workers’ comp cover your injuries?
The first day on the job brings a great deal to absorb. New surroundings, unfamiliar equipment and a demanding learning curve can all elevate your risk of an accident. First-day injuries are more prevalent than most people expect and the workers’ compensation system exists precisely for circumstances like yours. No one should have to face an unexpected injury alone, especially on a day that you expected to mark a fresh start.