Is Occupational Accident Insurance the same as Workers’ Comp?

76075dbc8557a71beb34b0d41ed544a8

No, Occupational Accident Insurance (OAI) is a separate form of insurance. It is not a lawful substitute for workers’ compensation insurance coverage. OAI is different from workers’ compensation insurance in that it only covers specific injuries and limits benefit payments based on the terms of the insurance policy contract.  It is regulated by the NC Department of Insurance not the …

Does workers’ compensation cover death benefits?

13dc72d05f240246db204c0617ace603

In an effort to help compensate families for the financial and emotional losses suffered when a loved one dies as a result of a work injury, the workers’ compensation system offers death benefits and a funeral expenses payment.  To be covered under workers’ comp in North Carolina, the person claiming benefits must show that the  worker’s death was 1) related …

How much are workers’ compensation benefits?

a4d754e68d005ceca5fd9cca0deff997

The workers’ compensation system is designed to help you cover some of the expenses related to your work injury and get you back to work as soon as possible. There are some limits on the amount of benefits you are entitled to receive from your employer.  In North Carolina, an injured worker who needs to take more than seven days …

Do I Have to See My Appointed Doctor?

dd1ab8759328d0097bf5ed506cbec23d

Once you file for workers’ compensation on your workplace injury, the insurance company will appoint a doctor for  you based on several factors. What happens though if your doctor is located a significant distance from your home? You have a couple of options: First, you have two places in which to file an appeal. The first is with your employer …

I was injured at work, does that mean I need a lawyer?

28741af4b4d5540ff72880ce16ef9d3c

Does everyone with a workplace injury need an attorney? Since initial consultations with injury attorneys are typically free, it’s always a good idea to discuss your particular set of facts with an experienced workers’ compensation attorney.  Dealing with a workplace injury may be a new experience for you, but a lawyer who has handled numerous cases will have a depth …

What does it mean to settle on the rating?

b133171a815055291cab52cf844964af

In workers’ compensation cases, a doctor will often evaluate an injury and issue a rating to describe how much ability has been lost in the movement or function of that particular body part.  For example, if you sustained a lower back injury, your doctor may give you a 15% rating. This means that your lower back is functioning at 85% …

Do All Employers Have to Carry Workers’ Compensation Insurance?

ad8231a098168e21158495c63abe41e6

In North Carolina, not all employers are required to carry workers’ compensation insurance. Small companies with only a few employees are exempt from the requirement. Some companies who only use contractors do not carry workers’ compensation insurance. So what happens if you are injured on the job and your employer does not carry insurance? Does this mean you cannot recover? …

When injured at work, do I have to use my PTO first?

dda868ebbd232a2b79baaf6fd5e84f69

Often an employer will suggest that an injured employee use their PTO (paid-time-off)/sick/vacation days. This is not allowed under North Carolina law. If you are injured at work and need time off to recover from those injuries you can still keep your PTO to use later.   You are not obligated to use your PTO to cover the time off …

Are all employees covered by workers’ compensation?

e5105517fbb997c1ba0d7e1ad7a70c38

No. Not all employers are required to have workers’ compensation coverage. Requirements vary by state law, but an employer’s responsibility to provide coverage usually depends on its number of employees and the type of business and work done.  The North Carolina Workers’ Compensation Act requires that all businesses (corporations, LLCs, partnerships, and sole proprietorships) employing three (3) or more employees …

Does workers’ comp only cover injuries?

efe6321d9bee7ba2c7054e758f80d0ac

Workers’ compensation not only covers immediate injuries, like falls and equipment accidents, but also long term problems and illnesses that arise from the course of employment.  Some examples of longer term issues that may be eligible for benefits include: ~Repetitive stress injury such as carpal tunnel syndrome; ~Chronic back or neck problems caused by misuse or overuse over a long …