What Is Workers' Compensation And How Does It Work?
Have you been injured at work in North Carolina? Get answers to your questions about workers' compensation and find out how the attorneys at Martin & Jones can help.
What Is Workers' Compensation?
Workers who have been injured on the job are entitled to medical and disability benefits to cover their expenses while they recover. They are covered through a form of insurance known as workers' compensation insurance. North Carolina law requires employers with three or more employees to provide coverage for them.
How Does Workers' Compensation Work?
Workers are compensated for injuries through their employer's workers' compensation insurer. Typically, an injured employee will be evaluated by a medical professional provided by the insurer.
The medical professional will determine whether the worker is temporarily or permanently disabled. A medical treatment plan will be developed to help the employee get back to work as quickly as possible. While the worker is recovering, he or she may receive disability pay to help cover expenses.
Who Is Covered?
Workers' compensation covers all employees in North Carolina, with the exception of railroad workers and federal workers. This includes temporary, seasonal, part-time, full-time and independent contractors. Even undocumented workers must be covered by workers' compensation.
What Types Of Injuries Are Covered?
While many workers' compensation claims are linked to an event, such as a fall on a construction site, there does not need to be a specific accident for an individual to qualify for workers' compensation benefits. Many workers who perform repetitive tasks that lead to injuries over time may still qualify for workers' compensation benefits.
What Do I Need To Do?
After an injury, workers are required to report the injury to their employer. The employer may have medical staff available on site for an employee to see, but this is not always the case. For all employees, it is important to seek medical attention promptly. Notify the medical staff that the injury was work-related.
After being treated by medical staff, employees must provide notice of the injury in writing to their employer. Notice must be given within 30 days of the accident or becoming aware of the injury. The notice should include the date, time and a short description of the injury.
In North Carolina, injured workers have the option of providing this written notice by providing the employer a copy of Form 18. Form 18 is required by the North Carolina Industrial Commission to file a workers' comp claim. Injured workers who fail to give timely notice to their employer and to file a claim with the North Carolina Industrial Commission risk losing the right to recover. Both steps are critical to preserving your claim.
Do You Have Questions About Obtaining Your Workers' Compensation Benefits?
It is natural to have many questions and concerns about workers' compensation and how it will impact your life. Get answers. The lawyers at Martin & Jones, PLLC, have a comprehensive understanding of North Carolina's workers' compensation laws. Learn how having a workers' compensation lawyer as your advocate can help you with your claim. Call our Raleigh law office toll free at 800-662-1234. You can also reach our law office online.