There are many myths surrounding workers’ comp in NC. While some myths may seem true due to misinformation, most people are simply unaware of what they are entitled to under their workers’ comp policy. It’s important to have a working knowledge of this policy to avoid any surprises when you file a claim.
Here are a few common myths related to workers’ comp insurance in NC that you need to be aware of.
You Need to be Working at the Time of Your Injury
No, you do not have to be working at the time of your injury. You may be walking up to the time clock or sitting outside during your break. Any injury that occurs while you are on employer’s property or on a business trip will qualify for workers’ comp coverage.
You Must be at Your Company’s Location When You Get Injured
There will be times when you are not at your employer’s location or working in a literal sense. If you are driving to a meeting while on a business trip and are involved in an accident, your workers’ comp coverage will kick in and take care of your medical expenses and lost wages for the days on which you were absent from work.
Workers’ Comp Is the Only Option You Have
Workers’ comp coverage is not the only option you may have when it comes to meeting your medical expenses. For example, if you are injured in an accident caused by a third party, you may be able to file an additional claim for personal injury damages.
Your Employer Will Help You Get All the Benefits You Deserve
Your employer might not always be willing to compensate you for work-related injuries or illnesses, especially when the amount involved is huge. If your employer seems hesitant to settle the claims, hiring an attorney who specializes in workers’ comp can be a good idea.
Your Employer Can Fire You for Filing a Workers’ Comp Claim
It is against the law for an employer to fire you for filing a workers’ comp claim. In most cases, an employer will do what they can to find a way for you to come back to work. This could mean offering you a new position and giving you the training you need to succeed at work. If an employer does choose to fire you, they will have to provide sufficient reason beyond the scope of your injury.
Workers’ Comp Will Cover All of Your Losses
Workers’ comp is meant to cover medical expenses and lost wages directly related to your injury. It will not cover any emotional trauma, scarring, disfigurement, or pain and suffering. Workers’ comp deals with the financial tangibles of your accident, not your personal or perceived injuries. If you need counseling or emotional support after work-related injuries, these will not be covered by your workers’ comp insurance.
Workers’ Comp Does Not Cover Injuries Caused by Repetitive Motion
Stress and strain injuries caused by repeated motions that are performed as part of your job are covered by workers’ comp insurance. This is especially true if it is a movement or motion that you would not normally perform in your daily life. These injuries worsen over time and can lead to long-term chronic pain.
If you have questions about workers’ comp insurance and how it works, call our agents at Pittman Insurance Group, LLC. We can help you gain a better understanding of both your workers’ comp policy and your rights when it comes to filing a claim. Call and schedule a consultation today!