Getting hurt is never a good time. It is naturally going to be painful, sometimes mentally as well as physically. The worry that you feel about how you will be able to support yourself and your family is overwhelming when you cannot get to work. This is especially true if you have no real time frame for recovery from your doctors. This worry can be made even worse if you don’t know anything about worker’s compensation. We want to help ease your concerns, so here is what you can expect from a worker’s compensation claim.
Each state has different laws in regards to worker’s compensation. For this article, we will be focusing on North Carolina laws. In North Carolina, the benefits primarily cover economic losses instead of things like pain and suffering like some other areas provide. If you do have an injury that you can claim for worker’s compensation, you can expect certain things to be provided for you or for you to be reimbursed for any payments you needed to make in the course of medical treatment.
In North Carolina, either your employer or their insurance company is required to pay for medical treatment that will heal the injury, relieve your pain, or lessen your disability. The good thing is that there is no co pay, no deductible, and no law stating you must miss work for at least certain worker’s compensation to be awarded to you. You are also entitled to a second opinion if you do not agree with the first consultation with a medical professional.
If a doctor has written you out of work for more than a week, you are completely entitled to Temporary Disability Benefits. These can last for up to 500 weeks. If you are written out of work for three weeks past the first one, then you will also get compensation for the first week as well. This is generally paid at two thirds your normal weekly salary. If you are able to return to some work, then you are entitled to two thirds the difference in your wages for the time of recovery, also for up to 500 weeks. If you are a law enforcement officer or teacher, however, you may be eligible for full salary.
There are other benefits to which you are entitled. Read the next blog to see what else Collier will fight to get you.