For your convenience, our most common customer questions regarding North Carolina Workers’ Compensation are answered right here.
Question: What is Workers’ Compensation?
Answer: Workers’ compensation is a benefit paid to workers who have suffered compensable work-related injuries or occupational diseases. The insurance is a required purchase for most employers by the North Carolina Workers’ Compensation Act, N.C. Gen. Stat. §§97-1 et seq., unless they are self-funded or not covered under the Act at all.
Question: What types of injuries are covered by workers’ compensation?
Answer: Most injuries experienced on the job while you are performing your work duties are covered under North Carolina workers’ compensation law (whether it is a cut/wound, broken finger, broken back, occupational disease or death).
Question: Do I need an attorney?
Answer: ABSOLUTELY! Any person with an injury requiring surgery which prevents a return to pre-injury work should consult an attorney right away. The seriousness of the injury, whether the insurance company is delivering appropriate benefits, whether the insurance company has accepted or denied the claim, are all factors to consider.
Question: Does the insurance company have the right to make me go to their doctor?
Answer: In general, if the claim has been accepted by the carrier as compensable, the insurance company is allowed the right to initially direct medical treatment. However, N.C. Gen. Stat. § 97-25 does allow an injured worker to select a physician of his/her own choosing, subject to approval by the Industrial Commission. You may also have the right to a second medical opinion regarding surgery or a disability rating.
Question: What should I do when an injury occurs?
Answer: IMMEDIATELY report the injury to your employer, orally and in writing. Next, contact our law firm and schedule an appointment for Amy Berry to review your case.
Question: Can I claim workers’ compensation benefits if I did something to cause my injury?
Answer: Yes. North Carolina workers’ compensation benefits are usually available even if it was your fault for the accident. There are several exceptions to this rule. For example, your claim can be denied if your work-related injuries are intentionally self-inflicted, or you are under the influence of drugs or alcohol at the time of the accident.