When you start a new job,workers compensation is probably not on your mind. You may be excited about better pay and benefits,like health insurance,401K and vacation time. However,you should think of workers compensation as one of those benefits,because if you are injured on the job,that may be your only option for getting your bills paid. If you live and work in North Carolina,here is what you need to know about the North Carolina Work Comp System,according to -.
What is Workers Compensation?
Workers compensation is a program that provides coverage for wages,medical costs,and vocational rehabilitation services for persons who have been injured on the job. In North Carolina,the program is overseen by the N.C. industrial Commission. Most companies that employ three or more part-time or full-time employees are required to provide workers compensation.
How Do I know if I Am Covered?
Coverage for workers compensation depends on your employment status. That is why it is important to determine whether your position is covered by workers compensation. There are different rules for independent contractors and for truck drivers. Truckers may be considered independent contractors. When a contract employee in North Carolina files a workers compensation claim,the Industrial Commission will review the claim and documentation to determine if the contractor is eligible for the program. A contractor’s status may be determined in part by types of assignments and the amount of supervision received.
How Do I File a Claim?
If you feel that you have been injured on the job and need to file a workers compensation claim,you should seek medical treatment. Report the accident to your employer ASAP. Your employer should provide paperwork for you to complete. Once you complete the forms and your employer files them,you should hear from the insurer. If you are denied workers compensation,you may need to consult a- with expertise in workers compensation.