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Protect Your Employees With Workers' Compensation Insurance in Morganton, NC

In North Carolina, workers' compensation is a mandatory insurance program designed to assist employees who sustain a work-related injury or illness. If an employer has three or more employees, they are legally required to carry workers' compensation coverage.

Here's how it works in North Carolina:

Who Needs Coverage

Employers with three or more employees are required to provide workers' compensation coverage, whether the employees are full-time, part-time, or temporary workers.

Certain industries, such as construction, have stricter requirements and may require coverage even with fewer than three employees.

What Workers' Compensation Covers

Medical Expenses:

Coverage includes medical treatment necessary to treat the injury or illness, such as hospital bills, surgeries, doctor visits, and prescriptions. However, the employer or insurer typically selects the healthcare provider.

Lost Wages:

Workers' compensation can replace a portion of wages lost due to the inability to work. The benefit is usually two-thirds of the employee's average weekly wage (AWW), subject to a maximum limit set by the state.

Disability Benefits:

Temporary Total Disability (TTD): 

If an employee is unable to work at all, they may receive TTD benefits.

Temporary Partial Disability (TPD): 

If the employee can work but earns less than before, they may be eligible for TPD benefits.

Permanent Partial Disability (PPD): 

If the injury results in a lasting impairment, such as a limb or back injury, the employee may qualify for PPD benefits, which are based on the severity of the injury.

Vocational Rehabilitation: 

If the employee is unable to return to their original job due to the injury, vocational rehabilitation services may be provided to help the employee find new employment.

Death Benefits: 

If a worker dies as a result of a workplace injury or illness, their dependents may receive death benefits, including funeral expenses and ongoing financial support.

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