The intent of workers’ compensation insurance is to protect the interests of workers who suffer an injury at work or who become ill as a result of exposure in the workplace. Most employers have to carry this type of insurance coverage, and you have the right to file a claim in the event of a work-related injury or illness. It may be in your interests to understand what benefits are available to you and what you can expect from your employer.
Employers have certain responsibilities regarding workers’ compensation. As an employee, you will find it beneficial to know what these responsibilities include and what to do if you need to file a claim. Understanding the workers’ compensation claims process is an important step in protecting your rights and interests after a work accident.
What should employers do?
In many cases, employers have to carry this type of insurance or face fines and other penalties. Workers’ compensation insurance actually protects the right of both workers and the employers. This is because an injured employee relinquishes the right to file a lawsuit against the employer when he or she files a claim. Employer requirements for workers compensation benefits and claims include:
- Your employer has to post a notice of workers’ compensation coverage somewhere in your workplace that is easy to find and read.
- If there is an accident in your workplace, the employer has to provide help or call for emergency medical attention.
- He or she has to help an injured worker get medical attention if the injured employee needs help finding a doctor.
- An employer has to file a report of the injury with the appropriate workers’ compensation office and with the insurance company.
- Employers have to make written reports of every workplace accident that results in injury or requires a worker to take time off from work to recover.
- Your boss has to cooperate with any requests from the insurance company or workers’ compensation board for additional information about the claim or accident.
In addition to knowing what to expect from your employer, it is also helpful to understand what benefits could be available to you through your claim. When it comes to your recovery, you may need long-term help and support, which means it will be critical to maximize your claim. Working with an experienced North Carolina workers’ compensation attorney can ensure you get the help you need to get better and move forward.