Am I covered by workers' compensation?

Some employers do not have workers' compensation insurance coverage. You need to check to see whether your employer has such coverage. The law requires that all employers who employ three or more employees should have this type of insurance in North Carolina . However, sometimes they neglect to purchase this coverage.

What happens if my employer does not have workers' compensation coverage?

You will have to use your own group medical insurance if you have it. If you pursue your employer through a claim with the Industrial Commission, it is a long process that often does not result in payment in full.

What type of Injuries would be covered by workers' compensation?

Usually any accident that occurs on the job is covered. This is a complicated matter when it comes to other conditions that you may have that have developed over a period of time. These are usually known as occupational diseases and your doctor will have to say that it was caused by your job. You should discuss this with your doctor and give him a complete, detailed, factual description of your work and your history on the job if you have developed some problems over a period of time. There are often issues regarding whether an injury or disease is covered by the Act and this is why you would need an experienced, skilled law firm such as our own to assist you.

What benefits will I receive if I have an injury or disease covered by the Act?

You ought to receive 66.213% of you your average weekly wage for each full week that you are out of work as a result of your injury or disease. All of your medical bills should be paid. Your mileage at the rate of .25 per mile to and from doctors, physical therapy, hospitals, etc., should be reimbursed to you. All pharmaceutical bills prescribed by a treating physician should be paid. Other benefits would be discussed with you, by an attorney or you can obtain pamphlets or written materials from the Industrial Commission describing these benefits.

I have been released by my doctor and have been assigned to a vocational consultant by the workers' compensation carrier. What does this mean?

This probably means that you will need to apply for jobs that are recommended by the vocational rehabilitation consultant. The consultant will attempt to find you employment. At that time, your temporary total compensation payments will stop.