No, you do not get full pay on workers’ compensation. The North Carolina Industrial Commission (NCIC) oversees workers’ compensation cases filed in North Carolina. As per NCIC rules, you are entitled to up to two-thirds of your average weekly earnings in workers’ compensation benefits up to a maximum of $1,066, as per the NCIC’s maximum weekly compensation rates.
In This Article
Understanding Workers’ Compensation Benefits
Workers’ compensation is designed to cover your medical expenses and a portion of your lost wages after you suffer a work-related injury or illness that prevents you from working or earning as much as you used to earn prior to the injury or illness. As long as your health condition is recognized as being work-related, you may file for compensation based on the type and severity of your injuries.
Different classes of injuries provide different levels of benefits. How long you may receive benefits may also differ based on the severity of your condition. The NCIC defines different classes of disabilities in their rating guide. For example, if you are unable to work because of injury to your fourth or little finger, you may receive benefits for 20 weeks, whereas injuries to other fingers might make you eligible for benefits for 25 weeks to 75 weeks.
Similarly, injuries to other parts of the body can make you eligible for benefits, which may last anywhere between 10 and 300 weeks, depending on the type and severity of your resultant impairment.
To be eligible for benefits, you must prove the type and extent of your physical impairment and your health condition. You must also prove how your disability or condition prevents you from working any type of job or specific jobs or prevents you from earning as much as you did before the injury or illness.
Based on the specifics of your case, you might be entitled to receive:
- Temporary Total Disability (TTD) benefits are for workers who cannot work at all and are recovering from their injury or illness.
- Temporary Partial Disability (TPD) benefits compensate workers for earnings they lost and continue to lose because of an inability to perform specific tasks.
- Permanent Disability benefits are for workers who suffer some form of permanent bodily injury or disability.
It is important to note that workers’ compensation benefits provide income replacement as well as medical treatment, and the two are distinct from one another. You do not get full pay on workers’ compensation, and your weekly benefits are capped at two-thirds of your average weekly earnings at a maximum of $1,066 per week. However, your medical benefits should be covered up to the limits of the policy that your employer provides.
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You May Apply for Workers’ Compensation for Work-Related Accidents and Injuries
Workers’ compensation is designed to cover all forms of work-related accidents and injuries, including:
- Slips and falls
- Being struck by objects or materials
- Getting stuck in or in between objects, materials, or machinery
- Abrasions and lacerations
- Bruises and contusions
- Blood loss and infections
- Repetitive stress injuries, such as carpal tunnel syndrome
- Chemical and thermal burns
- Respiratory and skin illnesses or injuries
- Cuts, broken bones, sprains, and strains
- Damage to the nerves, organs, and body tissues
- Eye, ear, and dental injuries
How to File for Workers’ Compensation
To file a workers’ compensation claim, you must:
- Be an eligible employee of the insured company
- Be employed by an eligible employer
- Have suffered a work-related accident, injury, or illness
- Meet the filing and reporting deadlines and the evidentiary requirements of the relevant insurers, your employer, and the NCIC
If you meet these criteria, you can file a claim by reporting your injury to your employer and seeking medical treatment. Most employers require you to file workers’ compensation injuries within 30 days of suffering or learning about an injury.
You may wish to speak with an attorney in case your claim is denied, or you are unable to gather the evidence needed to connect your injuries or your health condition to work-related tasks or duties.
Contact Farmer & Morris Law, PLLC, Today About Your Case
Workers’ compensation benefits are an important source of income for injured workers who are unable to work or earn as much as they used to earn before sustaining an injury or developing an illness. These benefits also include coverage for many types of medical care.
However, since you do not get full pay on workers’ compensation, you might be tempted to seek work elsewhere. While you are allowed to do this, doing so may affect your benefits, and you may even lose some benefits if your employer’s insurer argues that you are capable of working despite your injuries.
Contact Farmer & Morris Law, PLLC, today at (828) 286-3866 to discuss your case. We can help you apply for benefits, understand your benefits, or file an appeal for a denial.