Those who work 9-5 in offices may not fully understand or appreciate the function of worker’s compensation. Typically, people who work in professions that are often outside or deal with machinery are often more at risk of getting injured; therefore, they are more prone to use workers’ compensation. Our Charlotte workers compensation attorneys at Price Petho & Associates P.L.L.C is here to tell you that workers’ compensation is something everyone should know regardless of their work environment.
What is Workers’ Compensation?
Workers’ compensation is an administrative law meaning that each state has its type of workers’ compensation regulations. Each state is different. For example, Texas and Oklahoma do not require private employers to purchase workers’ compensation insurance. According to the North Carolina Workers’ Compensation Act, all businesses that have three or more employees must have workers’ compensation insurance or provide a qualified self-insurance for purposes of paying employees.
The Act is specific about who is considered an employee. For example, suppose you are a “casual” worker whose work is casual and not in the trade of the business, profession, or occupation of the employer. In that case, you are exempted from being considered an employee for purposes of a business requiring insurance. Some are under the assumption that “independent contractors” are exempt, but North Carolina treats that identifier as a regular employee.
What Does Workers’ Compensation do For Me?
If you found this blog, there is a good chance that you have been injured on the job for the first time and trying to find basic knowledge about what workers’ compensation is and how it works. Workers’ compensation is a statewide program created to protect employees from getting injured on the job with no financial recourse. Employers with three or more employees are obligated to get some form of insurance that helps employees when they get injured.
When people think of injuries, they think of the big stuff like broken limbs or deep lacerations. However, injuries like wrist sprains or Repetitive Motion Injuries can be covered also. Many believe people with desk jobs don’t need workers’ compensation, but it does cover common desk injuries like hands, wrists, or back injuries. The claim is dependent on how your injury relates to your work duties.
Because workers’ compensation is a no-fault system, a claim can be made regardless of who caused the injury.
Not All Claims are Accepted
You need our workers’ compensation attorney because employers don’t like to pay for their employee injuries, or they want to be strict about what they pay for. Sometimes this can lead to unfair resolutions. Leaving an employee paying a lot out of pocket for their medical needs. With an attorney by your side, your rate of compensation automatically increases. We are here to advocate for you fiercely. While your employer may give you a weekly paycheck, they are not in the business of providing you any more than what you work for.