Understanding North Carolina Workers’ Compensation
Workers’ compensation laws provide benefits, including money to pay for surgery, physical therapy, occupational therapy and/or vocational rehabilitation, as well as lost wages to an employee who has an injury as a result of an accident, injury or occupational disease on the job.
A critical element to remember as you are navigating the channels of workers’ compensation is that your employer’s insurance company is in charge of the decision-making on your benefits. Insurance companies are not looking after your best interests; they are looking after their own. Your doctor may believe that one course of care is best for your injury, and the insurance company may disagree. Beyond trying to control the type of care you receive, they may outright deny your claim.
Obtaining Benefits Is Harder Than You Think
In an ideal world, workers’ compensation would be worry-free, especially because it’s a no-fault system. Unfortunately, the system is not perfect, so every year valid claims get denied, businesses falsify or cancel coverage, and doctors make mistakes on disability decisions. Any of these complications can prevent you from getting the compensation you deserve.
The Advantages Of Working With McPherson & Mills
At our High Point law office, McPherson & Mills, our lawyers have many years of experience handling workers’ compensation claims for employees injured in all types of circumstances. If any of the following has happened to you or your loved one, reach out to us for guidance:
- Your employer denies that your injury is job-related.
- The insurance company sends you to a doctor, but you do not agree with the doctor’s diagnosis or treatment plan.
- You approve of the doctor’s treatment plan, but your employer’s insurer does not.
- The doctor clears you for work before you feel you’re ready to return.
- The doctor approves you to return for light duty, but your employer refuses to accommodate your condition.
- A doctor issues a disability rating that does not accurately reflect your physical limitations.
- You have returned to work but require ongoing treatment for the injury.
- The insurer wants to negotiate a settlement of your claim, including disability and future medical treatment.
Each of these conflicts creates an opportunity for the insurance company to force you to settle for less than you are due. Without the assistance of a knowledgeable and experienced attorney, you could wind up with a mere fraction of the benefits you’re entitled to. That means undue financial hardship for you and your family.
Our workers’ compensation attorneys will investigate your accident thoroughly to determine if grounds exist for a lawsuit. A serious workplace accident can result in permanently disabling injuries. We are determined to obtain the greatest amount of compensation possible given the facts of your case.
In some cases, we may be able to assist you with a third-party liability claim. Learn more.
Reach Out Today
While we never promise victory, we devote ourselves to our work and review all facts so that we can handle each case to the best possible outcome. Find out how we can help you. Schedule a consult with an experienced lawyer today. Call 336-877-8111 or send our office an email.
Remember: Do not delay. Your time to file a workers’ compensation claim is limited. If you are injured on the job, you must alert your employer immediately.