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Workers’ Compensation: The Basics

As a construction worker in Wilmington, you probably know just how dangerous your job is. But, do you know what to do if you suffer an injury on the job? Do you know whether or not you even qualify for workers’ compensation benefits? And, if you do qualify, do you know how to file a claim?

Before you have an accident at work, it is important that you know what kind of benefits you have available through workers’ compensation and how to file a claim to ensure you receive them. The following is a brief overview of North Carolina workers’ compensation laws that might help if you ever suffer a workplace injury.

Workers’ compensation coverage

In general, most employers in North Carolina have to provide workers’ compensation insurance for their employees. However, there are some exceptions. For example, domestic workers, farmworkers, and government employees typically do not qualify for workers’ compensation.

Benefits and services

Workers’ compensation provides various benefits and services to eligible employees. For instance, if your injury is so severe that you will not be able to return to the same job, then you might qualify for vocational rehabilitation services. Through these services, you can learn a new skill or trade so that you can return to the workforce. You may also receive other benefits including wage replacement and medical care.

Filing for benefits

After your injury occurs, you have 30 days to notify your employer. If you fail to inform your boss within this timeframe, you may not be able to receive any workers’ compensation benefits. If you develop an illness due to exposure to a dangerous substance while at work, you have two years to file a claim from the time of the first symptom.

If you have suffered a workplace injury, you might be eligible for workers’ compensation benefits. Take the time to find out as much as you can about North Carolina’s workers’ compensation laws so that you can get the benefits you deserve.