Basics of Workers' Compensation in NC
If you have suffered illness or injury while on the job, the workers' comp lawyers in Raleigh at Brent Adams & Associates understand workers' compensation benefits and can help ensure you receive the full value of your claim. In North Carolina, employers are required to provide workers' compensation benefits for their employees. After the injury or illness occurs, it is the employee's responsibility to fill out a claim form and submit it to the employer. The employer will submit your claim to the insurance company and if it is not contested by the employer, payment of medical bills and wages will be made by the insurance company.
Occupational Exposures: Chemical, Physical, Emotional
North Carolina workers' compensation benefits are offered to employees who suffer immediate and long-term effects of occupational exposures. The exposure may have occurred recently or have occurred many years previously, as in the case of exposure to toxic substances at work including asbestos, lead, latex and many other chemicals. Workers' compensation benefits are also available to employees who may seek benefits for repetitive stress disorders like carpal tunnel syndrome, occupational exposure to loud noise (bianural hearing loss), cardiovascular disorders, myocardial infarctions, and hostile work environments or bullying at work.
Medical Expenses Covered by Workers' Comp
Medical bills alone are hard enough to pay even when a person is working; but if the injury or illness keeps them out of work, an accident like this can easily ruin a family. Our workers' comp lawyers in Raleigh explain benefits are essentially made up of three major components: Medical Expenses, Salary Continuation and Vocational Rehabilitation. Medical expenses covers any bills accrued due to trips to the hospital, doctor visits, and any other medical treatment including medication. In short, full medical benefits are provided to employees entitled to workers' compensation benefits, with no time or monetary limits.
Workers' compensation benefits offer what is called Salary Continuation. Depending on the health status of the injured worker, Salary Continuation will either be available temporarily or permanently. Temporary Salary Continuation is available for the duration of the recovery period; however, if the worker is not expected to ever fully recover, he may be qualified for permanent salary continuation. The amount paid during these periods equals two thirds of a worker's average weekly wage.
Lastly, workers' compensation benefits offer Vocational Rehabilitation. In the case that your injury renders you unable to perform the usual duties of your occupation, you may need re-training so that you can enter into a new field of work. Physical therapy may also be required to get your normal strength back, and vocation rehabilitation is available to help pay for that.
North Carolina workers' compensation provides Death Benefits to the surviving spouse, or spouse and children of the deceased worker. The cause of an employee's death must be related to an injury or exposure at work. Dependency benefit amounts are determined based upon a percentage of the employee's wages and subject to a cap.