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What are some quick facts about workers' compensation?

North Carolina has specific workers' compensation laws to make sure you're covered as an employee. Here are some commonly asked questions that you may want the answers to.

As a truck driver, is my company required to provide workers' compensation insurance?

Workers' compensation coverage is required if there are three or more employees employed by the contractor, intermediate contractor or subcontractor. If you have your own vehicle and are independently licensed by the U.S. Department of Transportation, then your employer does not have to cover your workers' compensation insurance, since you will be considered to be an independent contractor.

What happens if my employer needs but doesn't carry workers' compensation insurance?

If you're hurt and your employer isn't carrying the right coverage, then your employer is breaking the law. You can report your employer to the North Carolina Industrial Commission's Fraud Department, which will look into your report and take action if needed. If you are injured, you can file paperwork with the department to seek compensation and coverage. You may also be able to directly sue your employer for failing to cover your injuries.

What happens if an employer won't report your injury to the NCIC?

If your employer won't report your injury, you can file a claim yourself. You have up to two years to file a claim with the North Carolina Industrial Commission. In most cases, your employer should immediately report the injury to the commission; you are required to report your injury to your employer within 30 days. You should report your injury to your employer in writing and orally.

Source: North Carolina Industrial Commission, "List of FAQs," accessed June 03, 2016

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