In North Carolina, there are several laws in place that are designed to protect both employees and employers if a work-related accident occurs. By establishing workers’ compensation legislation, employees can receive the benefits they need. At the same time, employers are guaranteed that they cannot be sued for resources outside of what workers’ compensation laws offer. Employees do, however, have the right to sue a third party if one happens to be involved in the accident.
Laws Governing Workers’ Comp in NC
The laws governing workers’ compensation in NC have been put in place to benefit both employees and employers. Employees receive the compensation they need to cover the cost of their medical care and any wages they may lose if they are unable to work for any length of time, due to their injury. Employers are given the option to purchase workers’ compensation, or they have the option to provide similar coverage on their own. However, with workers’ compensation insurance, employers are protected from being sued if an injured employee takes advantage of their workers’ comp benefits.
What Happens When an Injury Is Work-Related?
If an injury is work-related, the employer must be notified as soon as possible. This allows for an investigation to be performed and also ensures that the injured employee can get the medical treatment they need. Filing a workers’ compensation claim is the first step in the recovery process. It’s important to remember that you don’t have to be working at the time of an accident for your injury to be “work-related”. An injury that occurs while you are on company property will be covered, even if you are off the clock. You will also be covered if you are working at a location that is not owned or managed by your employer.
As an Employee, How Should I Respond to an Accident?
If an employee is injured while on the job or on company property, they should immediately do two things. The first is to seek medical attention, and the second is to notify their employer so that a claim can be filed. The employee will need to work with their employer and the insurance provider to make sure the claim is filed in a timely fashion and all of the evidence is secured. The employee should begin to document the scene and their injuries as soon as the accident occurs. The employer may also schedule a medical examination with an independent medical examiner who will offer an unbiased opinion when it comes to the nature of the employee’s injuries.
Benefits That Offset Workers’ Compensation
Workers’ comp benefits can interact with many other types of benefits. Retirement plans, medical plans, Social Security, and federal benefits can all be used to offset the cost of workers’ compensation. This includes the Family Medical Leave Act. Workers’ compensation injuries may make the employee eligible for disability benefits as well. All of these different types of interactions can be explained by your insurance agent. They will be able to explain each type of interaction and what benefits you may be entitled to with each type of insurance.
Workers’ compensation doesn’t have to be confusing. By choosing to accept the benefits that are offered by your workers’ comp insurance, you are giving up the right to sue your employer. Talk to our agents at Pittman Insurance Group to get started on your customized workers’ comp insurance in NC.