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FREQUENTLY ASKED QUESTIONS ABOUT WORKERS COMPENSATION IN NEW JERSEY I. GENERAL INTRODUCTION Q: What is workers' compensation? A: A system of limited benefits that replaces the right of injured or diseased workers to sue their employers for negligence for causing their injuries or diseases. Q: Who is covered by workers' compensation? A: All workers in the private and public sectors in New Jersey are covered by the New Jersey Workers Compensation Law. There are exceptions: Federal employees are covered by the Federal Employees' Compensation Act ("FECA"); maritime workers on the high seas are covered by the Jones Act; workers loading and unloading maritime cargo are covered by the Longshore and Harbor Workers Compensation Act ("LHWCA"); workers at foreign defense bases are covered by the Defense Base Act; and interstate railroad workers are covered by the Federal Employees Liability Act ("FELA"), 45

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