State RegulationsNJ specificDifficulty 2/5
A warehouse worker breaks his leg while lifting pallets on the job. Under New Jersey's temporary disability benefits law, is this injury covered?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
N.J.S.A. 43:21-1 et seq. defines the covered disability under New Jersey's temporary disability program as non-occupational sickness or injury. An injury suffered on the job belongs to the workers' compensation system, which is designed for employment-connected harm, so temporary disability benefits do not pay for it. The two systems divide claims by the origin of the injury.
Why the other options are wrong
- A) On-the-job injuries are excluded from temporary disability benefits; not every injury to a covered worker qualifies.
- C) The exclusion does not depend on the employer's written agreement.
- D) The reverse is true: temporary disability benefits cover non-occupational disabilities and exclude occupational ones.
Memory hook
Hurt at work, workers' comp pays; sick off the job, TDB pays.