What Does Workers Compensation Cover in North Carolina?

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Workers compensation can be a tricky matter. The amount and types of coverage vary depending on what state the person is in. If you’re looking into workers compensation in the state of North Carolina, you’ll want to know some important things before you get started with the whole process. It’s in your best interest to have the assistance of one of the reputable Charlotte workers’ compensation lawyers.

What is workers compensation?

Workers compensation is a type of no-fault insurance that an employer holds to offer an employee when they become injured due to doing their job or tasks associated with their job. Employees give up their rights to be able to sue their employers in exchange for protection that they offer from injuries that they can incur in the workplace.

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There are about 600 classifications of employers in North Carolina. The classification of your particular company determines the rates for which you’ll be eligible. These specific insurance rates are determined by taking the losses from similar employers and combining them. It’s never going to be a random process to decide on the rates. There are numerous factors that go into this that include the type of work, number of employees and size of payroll, the years in operation or business age, and the claims’ history of the company. Each type of employee can have a different rate based on their classification code.

Who is required to carry workers compensation in North Carolina?

According to the North Carolina Workers’ Compensation Act, there are certain types of business that must carry workers compensation if they have three or more employees. This includes limited liability companies (LLCs), sole proprietorships, corporations, and partnerships. When it comes to independent contractors, the North Carolina Industrial Commission uses different factors to decide if they should be considered as employees. Part of this involves how much the employer can tell a contractor what they can or can’t do.

Some exceptions are in place as to what counts as an employee in North Carolina. Business partners, LLC members, and sole proprietors (basically those who have their own business) are not considered employees, but they can be covered if they meet specific requirements.

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Other types of employees that are exempt from the NC Workers’s Compensation Act includes those who are casual employees (who don’t work regular hours and may leave the job without notice) or who don’t participate in regular trade or business. This also include farm workers at a place with fewer than 10 employees, “household” employees, railroad employees, federal government employees, and corporate officers who decide they want to be excluded from coverage yet are still counted to determine if the business has three or more employees.

What is covered under North Carolina Workers’ Compensation?

There are several things that may be covered under your workers’ compensation in North Carolina. They are as follows:

  • Missed wages: When you have a work-related illness or injury, this can cause the to miss out on work. Workers’ compensation provides at least a portion of your missed wages while you’re recovering.
  • Ongoing care: Someone who’s been injured or become ill while on the job may need to receive ongoing care. If you require physical therapy or rehabilitation services after you’ve become sick or injured, workers’ comp helps cover medical treatment.
  • Illness: You may become exposed to allergens or harmful chemicals during your work tasks. You can receive medical benefits as coverage under workers’ compensation.
  • Disability benefits: Work injuries can become severe to the point that the individual isn’t able to return to work. They might actually be able to return to work, but this may be in a different capacity. You can get coverage to help you with medical bills as well as replace lost wages if you become disabled as a result of your workplace injuries.
  • Accident or injury: This simply helps to pay medical costs if you become injured while you’re at work.
  • Repetitive injury: You may not get all of your injuries during one isolated incident. Repeated strain throughout your workday can lead to what’s known as repetitive injuries, and an employee who develops these can get coverage.
  • Funeral costs: If an employee dies after injuries or illness related to their job tasks, their employer may be required to pay for the funeral and related costs.

How do employers go about getting workers’ compensation for their employees?

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The majority of businesses in North Carolina are able to select their own provider of workers’ compensation. You can use the assigned risk pool that’s administered by the N.C. Rate Bureau if you’re having difficulties when it comes to getting this insurance. It’s crucial that you have this set up right away when you have the number of employees that warrants you offering workers’ compensation to your workers. This way, you will have the peace of mind knowing that your employees will be covered in the instance of illness or injury, and your employees will know what they can expect if something were to happen.

Workers’ Compensation Lawyers in North Carolina Make it Easier

When you have a workers’ compensation claim, it can help to have the assistance of attorneys who are well-versed in employment law, suggests sumwaltanderson.com. You deserve to have a smooth process with your claim and that’s just what you’ll have when you seek out a workers’ compensation lawyer. You’ll stand a better chance at receiving the appropriate level of compensation for your injuries and the medical bills and lost wages which you may have.

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Don’t hesitate to reach out and contact a law firm that will have your interests in mind and will help you gather the materials that you need to uphold your case if there are any issues with getting workers’ compensation to pay out. A top-notch attorney will be able to assess your situation, know exactly what documentation you’ll need, and help you with filling out the necessary forms. Hopefully, you’ll be able to get through this matter without needing to go through a lengthy court process.

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