North Carolina construction workers know that they have dangerous jobs. You and many others may enjoy the work that you do, but you also know that, at any moment on the job, an error on your part or someone else’s could result in serious injuries. Even something completely out of your control could result in you suffering harm that leaves you out of work for some time.
Often, when workers face an injury on the job, they have the right to workers’ compensation benefits. Hopefully, your employer complies with the law and has workers’ compensation insurance coverage. In the event that you do suffer injuries in the course of your work-related duties, filing a claim with your employer’s insurance could allow you to receive monetary support that you need as you recover.
What benefits could you obtain?
It is important to keep in mind that, when filing a workers’ comp claim, the process can be difficult. You will likely need to provide evidence of what happened, your injuries and various other aspects of the situation to your employer and the insurer. If you do receive an approval of your claim, you may receive the following benefits:
- Compensation for wages that you lost during your time away from work while recovering
- Financial coverage of medical expenses that you accrue while receiving treatment for your work-related injuries
- Benefits to cover expenses relating to the effects of any disability that may stem from your injury, including medical expenses and lost wages
- Coverage for ongoing medical care that may be needed for the injury, such as physical therapy, repeat medical visits with specialists and more
- Compensation for funeral expenses in the event that a worker suffers fatal injuries as the result of a work-related accident
The amount of compensation you receive and the duration of payments will depend on your specific situation.
Making a claim
As mentioned, the claims process for workers’ compensation can be difficult, and you could face a denial of your claim or a low payout offer that would still leave you struggling financially in the aftermath of your accident. However, if this happens, you may have legal options that you could take advantage of to ensure that your claim is handled appropriately and that a denial is properly assessed and appealed if necessary.