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.