Every business in New Jersey must have some kind of workers' compensation insurance. It does not matter whether a business is a sole proprietorship, partnership, LLC or corporation, workers can sustain injuries in any environment. The penalty for a business not having this insurance is $5,000 for the first 10 days and an additional $5,000 for every day after that the company fails to get coverage.
Although most insurance companies view employees' workers' comp claims as legitimate, instances exist where an agency may look further into the matter. The company may believe the employee has faked injuries. One place an insurance representative will turn to is the worker's social media. Therefore, it is vital to limit communication about your injuries through certain channels until the process is complete.
What are the risks?
Millions of Americans log onto social media every day; it has become an integral component of people's lives. However, it can also hurt your insurance claim. You may have genuinely suffered a back injury at work, but someone from the company's insurance agency sees a post of you exercising or jogging. The insurance agency believes you should not be in any condition to work out after an injury, and it can serve as evidence against your claim. You may still have a serious injury, but can still get up and exercise. It is preferable to keep those details private until the process is final.
This also applies to any mental health issues an employee may have experienced at work. The insurance company sees photos of this person enjoying time with family and friends. The mental health problems are still there, but the photo does not capture every side of the story. In general, it is best to avoid posting anything on social media for the time being. Employees should also tell friends and family to avoid posting pictures and status updates of their conditions.