New Jersey's Workers' Comp Waiting Period

The waiting period in workers’ compensation serves as an initial time frame post-injury, during which an injured worker does not receive Temporary Disability Benefits. New Jersey sets this duration at seven days. This approach aims to filter out minor injuries and prioritize those requiring more extended recuperation periods.


However, a critical provision often overlooked is that if a worker’s disability lasts more than seven consecutive days, they’re entitled to retroactive compensation to the first day of disability.

The alarm clock and calendar on top of the injured NJ worker's table show a time frame until the worker receives his Temporary Disability Benefits.

While this might sound straightforward, it can be more complex in practice. Insurance carriers, overwhelmed with multiple claims and procedures, might inadvertently miss out on disbursing these retroactive benefits. It’s here that the worker’s role, armed with knowledge, becomes crucial.


Consider Mike, the construction worker from Trenton. After his ten-day injury hiatus, the insurance company started disbursing his benefits from the eighth day onwards. Aware of his rights, Mike promptly raised the issue, ensuring he was retroactively compensated for his entire injury duration.


Diligence is your ally. Meticulously track the days you’ve been out due to injury. If your absence surpasses the waiting period, ensure you’ve been compensated from the onset of your injury. While it might seem challenging, stand your ground. Insurance carriers can sometimes be inundated with claims, causing them to miss or delay payments.

"Everyday you may make progress. Every step may be fruitful. Yet there will stretch out before you an ever-lengthening, ever-ascending, ever-improving path. You know you will never get to the end of the journey. But this, so far from discouraging, only adds to the joy and glory of the climb."

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