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What Expenses Are Covered by Workers’ Compensation Benefits in North Carolina?

One of our NC Board Certified Workers’ Compensation Specialists, Barry Jennings, recently answered this question on our YouTube channel.

Click here to watch the video.

Man working at a warehouse pulling boxes and holding helmetBasically, there are two main types of workers’ compensation benefits in North Carolina:

  1. Medical Benefits
    If you’ve been hurt at work, and your workers’ compensation claim has been approved, then whatever care you need to get better (that’s been approved) should be covered 100% by your workers’ compensation insurance company. There are no co-pays or deductibles.You shouldn’t even have to miss work for your treatments or pay for travel expenses (if you have to drive over 20 miles roundtrip).If you’re injured at work, medical care benefits may be paid to you if the item will:

    • cure the injury
    • lessen the disability
    • or relieve your pain

    Benefits can range from traditional treatments, to items such as attendant care, medical equipment and even home modifications.

    However, it’s worth noting that the insurance company has the right to direct your medical care – which includes choosing which doctors you see, when you see them, and what treatments you receive. If you’re unhappy with the medical care you are receiving, a workers’ compensation attorney may be able to help.

  2. Wage Replacement Benefits
    If your work injuries or occupational disease prevent you from being able to work, then you may be eligible for wage replacement benefits.Wage replacement benefits are designed to supplement your income while you’re still recovering or to make up the difference, if you have to take a pay cut.You may be able to receive wage replacement benefits if:

    • You’re temporarily unable to work due to your injuries.
    • You can work, but you’re not earning as much (such as switching to part-time or a less-strenuous position) to accommodate your injuries.
    • Your injuries result in permanent disabilities.
    • A loved one died as a result of a work accident or disease.


    You may even be eligible for “vocational rehabilitation benefits,” such as resume help or educational opportunities, if you need help finding a new job after a work injury.

    Click here to read about different types of workers’ compensation benefits.

  3. Need benefits that your insurance company is denying?
    Insurance companies are businesses. And their business model (just like any other company) revolves around being able to keep more money than they pay out. Most people hope the insurance company will be fair. Unfortunately, our experience shows that the insurance company is likely to be more concerned with making a profit.

Our NC workers’ compensation attorneys have dedicated their lives to helping injured workers on an individual basis. If you’ve been injured at work, we want to hear your story to see if we can help you.

Give us a call today at 1-866-900-7078 or contact us online. We will evaluate your case for free and there’s no obligation to choose us afterwards.

North Carolina Deck Collapse Injures 21 People

Early in July, 25 people were enjoying the North Carolina summer weather on the deck of a rented private home, when suddenly the deck collapsed. According to ABCNews, 24 of those people were injured when the deck gave way.  These injuries included a variety of medical problems that ranged in severity. Some sustained only cuts and bruises, while others were left with much more devastating injuries including bone fractures, hip fractures, and spinal injuries.

Fractures and spinal injuries

Our North Carolina injury lawyers know that bone fractures, especially hip fractures, can take a very long time to heal and can involve expensive treatments.  Those who sustain serious fractures may not ever recover completely or may need lengthy physical therapy and medical assistance to recover.

Spinal cord injuries, on the other hand, may never be curable. And they can cost millions to treat over a lifetime. Those who completely sever their spinal cord will likely lose nerve sensation, muscle control and movement of the body, below the point where the injury occurred. Those with partial spinal cord injuries may sustain limited muscle control, nerve activity and mobility, but the extent of the harm will depend upon where and how they were hurt.

Example of a deck in North Carolina like the one that collapsed and killed 21The investigation

After an event, such as a deck collapse, investigators will typically try to determine what caused the structure to fail and may investigate things like the construction of the deck, if too many people were standing on it or somehow otherwise compromised the deck’s stability — or if there was some sort of negligence on the behalf of the owner.

If a party is found to be at fault, they could be held legally liable for the damages and their insurance company may be required to pay for the medical care, lost wages, permanent disabilities and other damages of those that were injured.

Do you have a similar story?

Since there are so many factors that can cause a structure to collapse, cases like these can be very difficult to prove. But that doesn’t make your medical care or time off from work any less financially burdensome.

If you were injured in North Carolina, you may want to speak with a qualified North Carolina injury attorney. Call the Law Offices of James Scott Farrin at 1-866-900-7078 or contact us online for a free case evaluation.