It can be bad enough coping with a serious injury or illness that has occurred while working, but there is a financial worry too. You may be depending on a successful workers’ compensation claim paid out of insurance cover that your employer has with a major insurance provider like the NJM Insurance Company.
You may be relying on a successful claim to help pay medical bills and at least some of the wages you may have lost because you were off work. If your claim is denied, you should seek legal help from a reliable and experienced workers’ comp. attorney. The attorney will help you prepare for an appeal against the decision.
The NJ Manufacturers Insurance Company – Company Profile
The New Jersey Manufacturers Insurance Company, better known as the NJM, offers a number of insurance products, including workers’ compensation. It was first established as an insurance provider back in 1913 and concentrates on the provision of insurance to around 800,000 policy holders in both Pennsylvania and New Jersey. The company is headquartered in Ewing Township, New Jersey and employs 2,500 people.
Follow These Tips if Your Workers’ Comp. Claim Has Been Denied
This may be something quite simple like you didn’t inform your supervisor about an injury or a failure to submit the claim within a specified time limit. With help from an attorney there may be a good chance that you can get the decision reversed.
- Tip#1. Base what you do on the reasons given for the denial. If it seems to be incorrect information coming from your employer or the NJM check this out with them first. A simple error is often the reason for a denial but this should be able to be sorted out quite easily.
- Tip#2. Failing a simple administrative error, now is the time to contact an attorney and discuss your injury/ illness and how you submitted your claim. The attorney will advise you whether an appeal is likely to succeed and what you might need to do to make sure it does succeed.
- Tip#3 If an appeal is advised, make sure that it is requested within the time limit specified by the board.
- Tip#4. Before the administrative hearing, when your appeal is heard by a judge, you should make sure you obtain as much supporting evidence that backs up your claim as possible. Exactly what documentation you look for depends on the reason for the denial.
Consult with a Workers' Compensation Attorney
If you didn’t turn to an attorney when you made your original claim, you should do so now if your claim has been denied. You may be encountering opposition to the claim from your employer, the employer’s insurer or both. It would be hard to counter any objections they have without legal help.
An experienced workers’ comp. attorney can assess your circumstances, advise you about the chances of a successful appeal and suggest evidence that you do not yet have which can help sway the argument for compensation in your favor.
*The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against NJ Manufacturers Insurance Company, or any other company, you may not be entitled to any compensation.