Millions of workers suffer workplace injuries or illnesses every year. By law, North Carolina requires employers to carry workers’ compensation insurance in case their employees are ever too hurt or too sick to work and need financial help with medical bills or lost wages. It should be as simple as that: you need the help, you get it.
But insurance companies and the investigations of insurance adjusters complicate matters. They do not want to pay out for any claim if they can help it and will do everything in their legal ability to wiggle out of responsibility, putting the financial burden squarely on the shoulders of the injured employee. Therefore, it is advisable to hire an experienced workers’ compensation lawyer, so you have a legal professional looking out for your best interests.
What Types of Workers’ Compensation Are There?
North Carolina workers’ compensation law can help provide benefits if you have been hurt or made sick while on the job. Some of the examples of various kinds of workers’ comp include:
- Disability Benefits for the workers whose injuries are so severe they may never return to work.
- Funeral costs in case an employee passes away as the result of a workplace incident.
- Injuries resulting in medical bills.
- Lost wages.
- Ongoing care.
- Repetitive injuries, for those accidents that happen to an employee more than once in a dangerous work environment.
The type of compensation you can hope to get depends on the place of employment, payroll, claims history, and other factors.
Who is Excluded from Workers Comp in North Carolina?
Though workers’ compensation laws are meant to protect all employees, there are some workers who may consider themselves excluded from benefits. The types of workers who may not qualify for workers compensation include:
- Domestic workers or household employees.
- Farm employees for a farm with fewer than 10 employees.
- Federal government workers.
- Railroad employees.
- The “casual employees.”
Even if you are in one of the mentioned professions, you should consult an attorney for legal advice.
How Can a Lawyer Help?
Receiving workers’ compensation benefits can take a long time when an insurance company decides to drag its heels or put the blame on the injured worker. But you’re hurt and out of work, so you need that financial assistance now, not later after the insurance companies have finally relented. A lawyer with experience in this field can assist you and could potentially speed along the process considerably.
Greg Jones Law has years of experience defending injured clients from frustrating insurance companies. You’re hurt; you need this time to get well again. Let your attorneys deal with the insurance company and try to get you the compensation you deserve while you rest and get better.