In New Jersey, employers must carry in force workers’ compensation insurance which provides coverage in the event an employee suffers an injury that arises out of, or in the course of, their employment. Workers’ Compensation benefits include medical benefits, temporary disability benefits, and permanency benefits. These workers’ compensation benefits are available regardless of whether or not the employer was negligent. In other words, the injured worker does not have to prove that the employer did something wrong or failed to do something which caused the employee’s injury. The employee is covered as long as the injury occurred in the course of their employment.
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