How Much Does Workman’s Comp Pay in NC?

Workers compensation is an insurance policy meant to protect both employers and their workers against liabilities arising from work-related injuries. When a worker is injured while performing their duties, work comp insurance is supposed to pay medical bills and offer wage replacement benefits to the injured worker if they are not able to continue working, temporarily or permanently, due to their injuries. Since work comp laws differ from one state to another, North Carolina residents need to learn about state laws that touch on workman’s comp, especially regarding wage benefits and medical bills.

How Much Does Workman’s Comp Pay in NC?

If you are ever injured at your place of work, you will be taken to hospital for treatment. After getting treated, you will need a couple of days, weeks, or months to recuperate. This means that you will not be able to go to work, and your employer will not be required to pay you any wages. What you should do the moment you get injured is hire a workers comp lawyer in Durham to help you file your claim and speed the claims process. You want things to go smoothly, so you should concentrate on getting well as your lawyer fights for your rights under the work comp laws.

The work comp system in North Carolina is administered by the North Carolina Industrial Commission. The first thing that injured workers need to do to get work comp benefits is inform their employer in writing or verbally about their injury within thirty days of the incident. Ideally, this should be done immediately, but workers have up to a month to report the incident. After filing the claim for the work-related injury, you can expect the following benefits:

1. Medical Benefits

Work comp insurance will pay for all essential or necessary medical treatment for work-related injuries. Any unrelated treatment costs are not covered. This means that you do not need to worry about paying medical bills when you have suffered a work-related injury.

2. Temporary Disability Benefits

If your injuries require you to stay out of work for longer than twenty-one days, you will be paid temporary disability benefits to the tune of two-thirds of your weekly salary up to a maximum of $992/week.

3. Permanent Total Disability Benefits

If after recovering, your doctor determines that you are totally and permanently disabled, work comp will continue paying permanent disability benefits for the rest of your life.

4. Death Benefits

If a worker succumbs to injuries sustained while at the workplace, work comp will pay his or her family death benefits at the rate of two-thirds of weekly wages for up to five hundred weeks or around ten years. That said, work comp pays several other benefits to workers who are covered.

Iowa Workplace Injuries: By the Numbers

Most people don’t think they’ll ever get injured at work. Work has other problems, but you aren’t usually scared of being hurt. However, work is often one of the most dangerous places you will go. Many people are injured at work, and if you think about it, it makes sense.

We spend a great deal of time at work. Some people have more dangerous jobs than others, but we all have the potential to sustain a workplace injury. Several work-related injuries are things you might not have thought of, such as chemical exposure, work-related illnesses, stress-induced heart attacks, and vehicle collisions.

No matter what type of job you have, there is a likelihood of being injured on the job. That’s why workers compensation was created—to protect workers who get hurt at, or because of, their employment. If an entire system of insurance was created, there’s probably a pretty big reason why—a lot of on-the-job injuries.

Let’s look at some statistics on how common on-the-job injuries are, what types of injuries are most common at work, and what industries are the most dangerous.

Iowa Workplace Injury Statistics

The following are some statistics on workplace injuries in Iowa:

  • There were over 40,000 nonfatal accidents reported in Iowa in 2016.
  • Iowa’s incident rate was significantly higher than the national average incident rate. Manufacturing and trade, transportation, and utilities accounted for over 53 percent of all work-related injuries and illnesses.
  • Out of the 40,300 reported injuries in 2016, 21,200 were of a serious nature requiring employees to miss time from work.
  • 37,300 out of the 40,000 plus recorded work injury cases were work injuries, as opposed to work illnesses. The other roughly 3000 cases were occupational illnesses. 30 percent of the occupational illnesses were in these three categories: hearing loss, respiratory conditions, and skin disorders.
  • Iowa’s state and local government reported 7,700 injury and illness cases in 2016.

What Do the Numbers Say?

What the numbers say depends on what you ask them. These numbers say that a great deal of work-related injuries and illnesses occur in Iowa each year, and that our state has a higher injury rate than many others. If you’ve been injured at work, you are entitled to benefits.

Have You Been Injured at Work, and You Think You Might be Eligible for Workers Compensation Benefits?

As you can clearly see, workplace injuries happen a lot more often than you might think. You deserve to be paid workman’s comp benefits if you’ve been hurt at work. You will have medical expenses and you’ll be out of work for a while, which means lost income. Without benefits, how would you survive?

Get an Iowa workers compensation lawyer to help you with your claim. A lawyer will know the rules and laws related to workers comp in Iowa, so you can have a higher chance of obtaining the benefits you’re after. Good luck with your claim, and watch out for potential hazards at work. Danger is everywhere!

Is a Rear-End Collisions Always the Rear Driver’s Fault?

One moment, you’re heading down the highway, focused on the road and having a nice little drive. The next, you’ve rear-ended someone, and now you’re worried that it’s your fault. If they choose to sue, rather than rely on their own insurance company, what can you do about it? After all, rear-end collisions are usually the rear driver’s fault, right?

While the rear driver is often at fault, you’re not automatically at fault. Instead of accepting the blame, think about your accident and what you can do to recover compensation.

Rear Drivers May be Responsible

In most cases, the rear driver is found responsible for the accident. The driver in front is looking at the cars around them, but they may not be able to keep an eye on you behind them. Since they’re trying to keep an eye on the car in front of them, you’re expected to watch out for the car in front of you.

As such, many rear-end accidents happen because the rear driver isn’t paying attention to the car in front of them. So, when are they not at fault?

When is the Front Driver at Fault?

When you’re in a rear-end accident, it can sometimes happen because the other driver was negligent. They’re responsible for properly signaling and driving safely, and sometimes, they might not do that.

For example, you might have been following at a safe distance, but the driver in front of you braked suddenly or reversed, striking your vehicle. While you were the one behind them, they acted negligently by reversing into you.

Otherwise, they may not have properly signaled. If their brake lights don’t work, for example, you don’t have a way to tell that they’re stopping. Because they’re driving unsafely without brake lights, they may be held responsible for the damage done.

Don’t Take the Blame

When you’re involved in a rear-end collision, it can leave you blamed for the accident, even if you weren’t responsible. If you don’t fight back, you could be left with the expenses the other driver should be responsible for.

Don’t let them put the blame on you. With a West Palm Beach car accident lawyer, you’ll have a better chance of recovering compensation or avoiding the blame for the accident. While rear-end crashes are often the fault of the rear driver, don’t let them put the blame on you when you weren’t at fault. Instead, get compensation for your own losses.

Auto Insurer Tactics and How to Beat Them

When a serious accident happens, you’ll need your insurance company to step in and cover your expenses. That’s what we pay for, right? We want the peace of mind that, when an accident happens, we’ll get the full coverage we need to recover.

Unfortunately, your insurance company might not be so willing to step in and help. Instead, you’ll have to fight back to get the full settlement you need to recover.

If you’re struggling to get your full settlement, watch out for the following tactics your insurer might use. When you’re dealing with the aftermath of a serious accident, you’ll need to fight back to recover fully from your accident.

Lowballing Your Settlement

One of the first risks to your claim will be getting a settlement offer that simply doesn’t cover all you need it to cover. Instead, they’ll lowball your settlement and leave you to pick up the rest of the expenses.

This tactic is meant to protect their profits. As a for-profit business, this is their priority, so they’ll likely be less willing to pay out for your claim, especially if you suffered especially serious injuries. So, they might tell you that their initial offer is the best they can do, though that’s rarely the case. If this happens, talk to an attorney who will help you draft a demand letter.

Slow Responses

In some cases, they might delay their response, taking their time to respond to you about your accident. They’ll make you wait or refuse to respond completely. When an insurance company uses this tactic, they’re trying to make you desperate. You’ll only have a certain amount of time to file a claim and receive your settlement, and they’re trying to use that to their advantage.

Unfortunately, many people end up paying for part of the accident they didn’t cause because of this. Don’t let this tactic get to you, however. Speak with a lawyer and demand the full settlement you deserve for your claim. Don’t take their settlement offer until you know you’re getting the amount you deserve.

Beating Insurer Tactics

When we pay for our insurance, we expect that that coverage will protect us when a crash does happen. Unfortunately, your insurance company might not be so willing to help you out during your difficult time. Instead, you’ll need an attorney who will fight the insurance company for your settlement.

It’s unfortunate, but the insurance companies can’t always be trusted.

Fortunately, there are ways to beat their tactics. By remembering that you don’t have to take their settlement offer and making your demand letter, you might be able to receive the settlement you deserve for your accident.

If they refuse to settle, beat their tactics by taking them to court. You know what your claim is worth, and your attorney can help you fight back for the full funds you deserve.

The Threat of Child Abuse

Few incidents are more horrifying than learning that your children have been subjected to child abuse at the hands of someone you trusted. However, this happens far more often than you might think. More often than not, the other parent of your child is the person found to be their abuser.

As difficult as this might be to grasp, you have to do what’s in your child’s best interest, even if that means going to Court and getting or modifying a custody order between you and their other parent. Below, we examine the impact that child abuse can have on your child’s life and how you can protect them moving forward.

Effects of Child Abuse

If a child is being abused, it can impact their life in a devastating way. Not only do children who have survived abuse suffer from depression, anxiety, and fear, but they have also reported feelings of self-harm, developed eating disorders, have nightmares or insomnia, experience flashbacks and post-traumatic stress disorder, and even develop suicidal thoughts.

It is of utmost importance that you remove your child from the situation if you believe their other parent has been abusing them. If you believe they are in immediate danger when visiting with their other parent, you should contact your local police department so that you can keep them at home until the matter is resolved and have a paper trail of evidence that can help support your case when you bring their other parent to court.

Obtaining or Modifying a Child Custody Order

Going to court is the only way to keep your child safe from their abuser by law. If you don’t already have a child custody order in effect, you should work with your attorney to obtain one.

Abuse should never be taken lightly, and you should plan on presenting any medical documentation, police reports, photographs, videos and even the child’s own testimony in court. The Judge will review the evidence provided to determine what is in the best interest of the child.

If you have an existing child custody order, you’ll need to file a petition to modify child custody before you can withhold your child from visits with their other parent by law. However, by reporting your concerns to the local police, you may be able to keep your child safe until you can get the modification you need to put a stop to the abuse your child has endured.

A Qualified Family Law Attorney Can Help You

When you need to do whatever it takes to protect your child from further abuse but you aren’t sure how to go about getting a court order against their abuser, an attorney to help defend against child abuse can help. Your family law attorney will be experienced in these types of cases and will work to ensure that your child is never subjected to abuse again.