Workers Compensation establishes the liability of an employer for injuries or sicknesses which arise out of and in the course of employment. The liability is created without regard to the fault or negligence of the employer. Benefits generally include hospital and other medical payments and compensation for loss of income; if the injury is covered by the statute, compensation under the statute will be the employees only remedy against her or her employer. The workers compensation systems in place in each state are exclusive, no-fault remedies for most workplace injuries, and workers compensation attorneys guide injured workers through the process, to ensure that they receive appropriate income replacement payments and other monetary awards.
Caldwell is a borough located in northwestern Essex County, New Jersey, about sixteen miles outside of New York. As of the United States 2000 Census, the borough population was 7,584. Caldwell was incorporated as a borough by an Act of the New Jersey Legislature on February 10, 1892, from portions of Caldwell Township (now Fairfield Township), based on the results of a referendum held on the previous day. In 1981, the name was changed to the "Township of the Borough of Caldwell" to take advantage of federal revenue sharing policies. Effective January 26, 1995, it again became a borough. Grover Cleveland, the 22nd and 24th President of the United States, and the only president to serve two non-consecutive terms, was born in Caldwell on March 18, 1837. His father, Rev. Richard Cleveland, was pastor of the First Presbyterian Church. The Grover Cleveland birthplace — the church's former rectory — is now a museum and is open to the public. Though today the Caldwell area is considered to be a suburb of both Newark and New York City, the area originally developed as its own individual, self-contained town and economy rather than as urban sprawl from a larger city. When it was formed, a few miles of woods separated downtown Caldwell from Newark or any of its developing suburbs. New Jersey Monthly magazine ranked Caldwell as its 32nd best place to live in its 2008 rankings of the "Best Places To Live" in New Jersey.