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What is the Uninsured Employers Fund?

You were hurt on the job, so you went to your employer to file a claim for workers' compensation. Not long after that, you discovered that your claim would never go through; your employer didn't have coverage.

It's against the law not to have workers' compensation insurance for employees in most cases. As an injured person, you may now think you're out of luck, but fortunately, that's not the case. The Uninsured Employers Fund was established to help people like yourself.

Why was the fund created, and who benefits from it?

This fund was created to pay injured workers' medical bills and to give them the temporary disability benefits they deserve after an accident on the job. The fund is only accessible by those who have employers who did not obtain the required workers' compensation insurance.

How can you pursue your claim through this fund?

Talk to your attorney. Your attorney can submit the documents necessary to begin your claim through the Uninsured Employers Fund. A judge will decide what you should receive and the UEF then pays accordingly.

Don't think your employer gets away with his or her bad behavior. In fact, there is a lien placed against the employer for the amount you'll be paid. The employer may also face penalties of up to $6,000.

If you are permanently disabled, the above is important. The lien above makes it easier for you and your attorney to pursue a direct claim against your employer for failing to provide coverage and for the compensation you deserve for your lasting injuries.

Source: New Jersey Department of Labor, "Uninsured Employers Fund and Insurance Coverage Requirements," accessed May 26, 2017

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