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How Can a Worker Tell if an Employer Has Workers’ Compensation Benefits?

In North Carolina, it should be as easy as knowing how many co-workers you have. As North Carolina Workers’ Compensation Attorney Barry Jennings explains, under North Carolina law, every company that has three or more regular employees is required to carry workers’ compensation insurance or be self-insured for workers’ compensation coverage.

Construction worker on beams silhouetted against a blue sky.Businesses who carry workers’ compensation insurance or are self-insured are required by law to post a notice in your workplace. Employment notices are usually posted in common areas such as break rooms or other gathering spots.

However, not all businesses who are required to carry workers’ compensation insurance in North Carolina do so. The Raleigh News & Observer published a report in April that as many as 30,000 companies in North Carolina do not have the required workers’ compensation insurance. The newspaper also reported that some companies exploited a loophole in the law by classifying their employees as independent contractors and then purchasing a policy known as a “ghost policy” in which they purchased coverage for a single worker to be added to the payroll at a later date. The policy was meant to cover one of the “contractors” in the event of an injury.

The newspaper used public information to compile the report, and in response, legislators passed a law making this information confidential. Now, not even employees can find out if their employers have workers’ compensation insurance. Lawmakers have said this was an unintended consequence of the law, and they have vowed to push for changes in the law.

North Carolina Workers’ Compensation Lawyers

If you have been injured on the job and you have a question about whether your employer has workers’ compensation benefits, you may need to call a lawyer to help you find out. Call the Law Offices of James Scott Farrin at 1-866-900-7078 for a free evaluation of your case and to find out how one of our North Carolina workers’ compensation attorneys may be able to help you.