An on the job injury can be a seriously disruptive event.The majority of such injuries are relatively minor and uncontroversial; it is the processing of major injuries that most involve disputes over the length and extent of benefits coverage. This article is intended to help an injured worker understand the requirements for initiating a North Carolina Workers' Comp claim, as well as tips for ensuring the worker obtains the maximum benefits available. As always, this type of information can not substitute for an individualized consultation, and injured workers are urged to schedule a meeting with experienced legal counsel to discuss the specifics of their situation.
Notify the Employer
Initiating a workers compensation claim in North Carolina is relatively simple. The
Workers Compensation Act says an injured employee should notify the employer in writing within 30 days of the injury, but as a practical matter most employers are aware of employee injuries, and if the worker tells an official of the employer about the accident, that probably suffices as long as a hearing request is filed in time. Still, it is a good idea to file an accident report every time there is an on the job injury, even if it is minor!
If the worker has never been paid workers comp disability benefits (and salary continuation or short term disability benefits do not count) then the employer and insurance carrier may not have admitted liability. The payment of medical expenseswithout ever paying weekly disability benefits does not admit liability!
Request a Hearing
If the employer has not admitted liability for the injury, the injured worker must file a request for a hearing with the Industrial Commission within two years of the injury. If the worker fails to file within two years, it is likely that the case will be deemed untimely and the benefits will be denied.
Workers' comp cases are handled by the North Carolina Industrial Commission. The form for a worker to report an injury is Form 18. The form to request a hearing is form 33. Both forms can be found on the Industrial Commission website. It is important to also send a copy of any form filed with the Industrial commission to the employer as well (and retain a copy for personal records!). Anything sent to the Industrial commission should be sent certified mail, return receipt requested, so there is proff that the Commission received it. Documents filed at the Commission get lost more than they should!
Often times more than an entire year passes from the time a hearing is requested from the Commission until the a decision issues. If an appeal is required, it could take a year or even several years more.
Other actions that can be take to protect an injured worker's right to Workers' Comp
If you are hurt or experience pain on the job, report it, and the best way is to report it in writing. Keep a copy of any written report that you submit.
If you go to your regular doctor, or a doctor that you have seen before, after you hurt yourself on the job, make sure you tell the doctor that the pain or problems started after something happened to you on the job!
Subsequent related injuries: If you hurt one body part, maybe like a wrist or a knee from a fall at work, and a few days to a few weeks later, you start having pain in other areas of your body, like in your neck or back, make sure you inform your doctor about the pain that is developing in other areas. If you have never before had pain in those areas, you need to make sure that you tell the doctor that.
Claims adjustor interview: If you are hurt on the job and report the injury, it is likely that you will be called and interviewed by a claims adjuster for the insurance company, with the interview being recorded. You do not have to talk to the claims adjuster. (Although if you refuse they will probably use that as an excuse to deny you disability benefits.) If you do submit to a recorded interview, be very clear that what caused your injury was an accident or something out of the ordinary at work; or, in the case of a spine (back/neck) or hernia injury, that the pain started from a specific incident. The claims adjusters will ask you questions in a way to get you to say things that give them an excuse to deny your claim, so do not let them do that to you.
If you are receiving on-going medical treatment that workers' comp is paying for, you will probably have a “nurse case manager” assigned by the insurance company to your case. Understand that they are employed by the insurance company and their job is to save the company money. Even though comp is paying for your treatment, you still have a right to have private meetings and examinations with your doctor. Never allow a nurse case manager to come into the exam room while the doctor is examining you and discussing how you are doing. The nurse case manager will often try to answer the doctor's questions for the injured worker, and also try to get the doctor to not recommend further treatment or tests.
After a doctor has completed their examination of you, the case manager can talk to the doctor, if the doctor is willing to do so. However, the nurse case manager is only supposed to talk to the doctor in your presence. Never allow the nurse case manager to talk to the doctor outside your presence.
Medical Records Release: Many insurance companies, or the nurse case mangers for the insurance companies, will ask workers to sign medical authorizations that allow the company to get medical records from any doctor that you have ever seen at any time in your life, and also that allows the insurance company to talk to doctors outside your presence. Never sign a medical release that allows the adjuster to obtain medical records from your entire medical history, or allows them to speak with your doctor when you are not present! The only type of release that you are required to sign gives the insurance company and the nurse case manager the permission to get the records only from the doctors that have treated you for your work-related injury. It also does not allow them to talk to the doctor. That medical release is a Form 25C, and it can be found in the Industrial Commission's form bank on their website. Form 25C is the only type of medical release you should ever sign in a workers' compensation case.
Do not trust a plant nurse or doctor. Make a record of every time you go to see them about your work-related injury, and the types of things that you tell them.
Workers' compensation cases can usually benefit from the assistance of experienced legal counsel, because the insurance company that covers the injury is in the business of making money, and the company makes more money by denying or minimizing benefits due under the law. The North Carolina Workers' Comp attorneys at Edelstein & Payne are available for consultation and/or representation on comp cases throughout North Carolina.