Since North Carolina’s system of Workers’ Compensation is mandatory, employers are required to carry this type of insurance for their employees. The goal of Workers’ Compensation is to protect injured Workers and make sure that an injured employee receives appropriate medical care, lost wages related to the injury, and rehabilitation if it is necessary. When Workers are killed on the job, families are typically eligible for benefits.
To protect an injured worker from loss of income after being injured at work and to help pay medical bills, the NC State Legislature passed the North Carolina Workers’ Compensation Act, providing employees with full compensation for medical expenses and partial compensation for wages lost following the injury.
You are most likely covered by the Workers’ Compensation Act if:
- Your employer regularly employs at least three people or more
- You work for the state, county, or city; or
- Your employer has purchased Workers' Compensation insurance
Requirements of the Workers’ Compensation Act
- Accidental—Injuries must be accidental in order to qualify for compensation. For injuries to body parts other than the back, an accident means that there must be a fall, slip or another type of unexpected event that interrupts the normal work routine.
- Back and neck injuries may be covered by Workers’ Compensation as long as there is a specific event and time for the onset of symptoms that can be identified.
- Injury happens while on the job: Even if you slip and fall at a restaurant while you are on a business trip, you may qualify for Workers’ Compensation benefits.
- Occupational diseases—If your job puts you at a higher risk than the general public for contracting a disease or being exposed to a dangerous hazard, this may qualify as an occupational disease. Diseases or conditions that surface over a period of time can also qualify you for Workers’ Compensation. For example, Workers who were exposed to asbestos in factories years ago may now suffer from mesothelioma, a type of lung cancer.
If you are a dependent of someone who has died in a work-related accident, you also may qualify for benefits. Workers' Compensation provides death benefits to the spouse, or spouse and children of Workers killed in a job-related accident if the cause of the employee's death was related to an injury or exposure at work.
If you have been injured or a loved one has died as a result of an on-the-job accident, please contact our Workers' Compensation attorney at White & Stradley, PLLC today for further information about Workers’ Compensation law or a “Work Comp” claim in Raleigh, Charlotte, Greenville, and nearby areas throughout North Carolina. For immediate assistance, call us in Winston Salem, North Carolina at (855) 565-4404. If your case has merit, there will be no cost for your consultation.