Workers’ compensation is insurance that is required by law and can have serious consequences if the company in question fails to meet this necessity. If you’ve been injured at work in North Carolina, your injury will typically be covered by your employer’s workers’ compensation insurance. However, this benefit only applies if the company has three or more employees. And if you’re an independent contractor, the rules are a bit different. A skilled workers’ comp lawyer in North Carolina can walk you through the specifics of your case.
What is an Independent Contractor?
An independent contractor is a self-employed individual who provides their services to companies on an ongoing basis, normally for a retainer fee. These companies that hire them are normally referred to as their clients, not their employers. Independent contractors are normally responsible for obtaining their own insurance.
How the Process Works
Before attempting to file for workers’ compensation, you need to make sure your injury qualifies for it. An unexpected injury that occurs on the job and due to work-related activities is different than a chronic injury that flares up while you’re at work. While the former will normally qualify for workers’ comp, the latter will not because it was not caused by job-related activities or conditions.
To file a workers’ comp claim in North Carolina, you need to fill out Form 18. The claim then needs to be reviewed by the Carolina Industrial Commission and a copy detailing the injuries and how they occurred also needs to be given to your employer. When filing the Form 18, be as detailed as possible so that there is no confusion about how the injury was sustained.
It is imperative to submit this claim to your employer as soon as possible after your injury. If you delay, your employer may be able to argue that your injury was not serious, which could lead to the insurance company denying your claim.
Should You Hire a Workers’ Comp Lawyer in North Carolina?
After a workplace injury, it is a good idea to speak with a workers’ comp lawyer in North Carolina because they will be able to advise you on the right steps to take when filing a claim. Lewis & Keller has decades of experience helping North Carolinians obtain their workers’ compensation benefits, and we are ready to help you do the same. Get a free case evaluation by filling out the form below or calling 336-750-6466 today.