If you live and work in the state of North Carolina, you’ve probably heard of workers compensation. Workers compensation is a type of insurance coverage that most North Carolina employers are required to carry. They must have this insurance so that their employees are covered financially if they are hurt on the job.
There are many ways an employee can be hurt while at work or because of their work duties. Workers compensation covers more than just a sudden on-the-job accident. If you aren’t sure if your employer carries workers compensation you can find out.
This article covers what types of employers are required by law to carry workers compensation, as well as what benefits are provided to injured employees.
What Employers are Required by Law to Carry Workers Compensation?
As mentioned, most employers are required to carry insurance. There are some exceptions. For instance, if you are a “casual” worker, meaning you only put in a few hours here and there and that your primary job is something else then your employer is not required to carry work comp insurance.
Most employers of domestic workers aren’t required to carry work comp. For example, if you’re a babysitter then your employer does not have to have insurance. Many farms that employ workers don’t have to carry insurance unless they have ten or more workers employed full time.
There are some other exceptions and rules often change so be sure to speak with a lawyer about whether your employer should carry insurance or not.
What are Some Injuries Common in Workers Compensation Claims?
Any injury or illness could potentially occur at work or because of your working environment, which means that it’s compensable under the law. Here are some common types of work-related injuries and illnesses.
- Broken bones
- Respiratory illnesses
- Hearing loss
- Repetitive stress injuries
- Traumatic brain injuries
- Spinal damage
- Burn injuries
- Eye injuries
What Types of Benefits Can You Receive for Your Injuries or Illness?
North Carolina workers compensation benefits will vary slightly depending on the severity of your injury and how long you are out of work. You can receive payment for your injury-related medical expenses, your lost wages, and for partial, permanent, total, long-term, and short-term disability.
The more severe your injury is the longer your benefits will be paid to you.
Do You Need Some Help Filing Your Workers Compensation Claim?
Remember, you have a right to file a claim and seek workers compensation benefits if you’ve been injured on the job. You shouldn’t just “suck it up” and continue working through an injury or illness. Reach out to a lawyer to get some help filing and winning your work comp case in North Carolina.
The attorneys at Ricci Law Firm, P.A. handle workers compensation and can discuss your case to see what types of benefits you’re eligible to receive. Filing a claim by yourself is possible, but the chances of your claim being approved are increased when you have a lawyer helping you.