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Workers' compensation questions and answers

If you're hurt on the job, you probably have some questions about your insurance coverage. Will your employer cover your injuries? When will you be compensated, and how can you get the care you need? Here are some common questions and answers.

Are employers required to carry workers' compensation insurance?

Yes. However, the kind of workers' compensation insurance your employer carries may vary. Private insurances and self-pay insurances are allowed as long as there is coverage for the employee in the case of injury.

What should you do if you get hurt on the job?

If you're hurt in the course of employment, then you must report your injury to your supervisor. It's important to reach out and explain what happened if you're able. If you are badly injured, then your employer will be notified when you are taken to the hospital. He or she should make sure to turn in all appropriate forms and documents to the Industrial Commission to report the accident. In some cases, the state Occupational Health and Safety Administration will need to come to the scene to investigate the cause of injury, particularly if you were involved in an industrial or construction accident.

Does your employer need to report your injury to the Industrial Commission?

There are specific times when your injury must be reported. For example, if you have medical expenses that exceed $2,000 or if you miss work for more than a single day, your employer will need to report your injury within five days.

If your employer doesn't follow through or doesn't set up the documents for you to receive insurance coverage, your attorney can help you file a complaint or the paperwork directly with the Industrial Commission.

Source: North Carolina Industrial Commission, "Information for Employers," accessed Aug. 12, 2016

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