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Worker's CompensationWorker's Compensation claims are handled
through the Industrial Commission rather than our local courts. It is very
important that you obtain legal counsel for any such proceeding or claim,
since the laws in this area are quite complex, and employers and insurance
carriers generally know the laws fairly well, but employees usually do
not.
If you are ever injured on the job (or suffer an occupational disease
such as carpal tunnel syndrome, tendonitis or black lung disease), then go
immediately to your own family doctor. If needed, get him/her to also
refer you to a specialist. Report the injury or disease immediately to a
supervisor or other appropriate personnel.
DO NOT give any recorded statement and DO NOT sign any form or
statement until you first consult with an attorney. Worker's compensation
cases which are jeopardized or lost are typically those where employees
have given signed or recorded statements early on without the benefit of
counsel. Employers and carriers tend to be very aggressive in these
matters right from the start. If possible, they will force you to be
evaluated by the "company doctor" who often says that you can go right
back to work. In order to avoid this predicament, it is best if you can
get to your own doctor simultaneously with, or immediately before,
reporting the accident. You have the statutory right to select a physician
of your own choice (G.S. 97-25). However, if you do not initially, then
the carrier/employer will do so. Once you go to the company doctor, you
can be stuck with him/her for quite awhile. It can be very difficult to
get the Industrial Commission to authorize a change of treating
physicians. If you are in such a situation, and feel that your medical
care is questionable, there are alternatives which we would be happy to
discuss with you.
If you give a statement without a lawyer present, be sure to watch for
trick questions from the interviewer. For instance, a common question is:
"You were just doing your normal job in the usual way, right?" Most
employees think they should answer this question "Yes", because doing it
the wrong way or some unusual way might penalize them. WRONG! In worker's
compensation, it is essential that the task was different or unusual in
some way, i.e., that an accident occurred. If nothing "unusual" happened,
then there was no "accident", and you just lost your claim! There are some
exceptions to this general rule, particularly in back injury, hernia, and
occupational disease cases. However, the rule of thumb is almost always to
stress that the accident, traumatic event, or job duties were somehow
unusual and different than normal. This can be something as simple as a
slip and fall, to "jerking an unusually heavy load in an awkward
position."
Your benefits do not commence until you are out of work for 8 days due
to your injury. You cannot get paid for the first 7 days until you are out
a full 21 days. Payment is 2/3 of your average weekly wage. Employers are
supposed to calculate this on a Form 22, but they often do not bother to
do so. Thus, if you had been grossing $600.00 per week, your weekly work
comp benefit would be $400.00. These benefits are tax free. You can keep
getting benefits until you return to work full-time. Once you reach
"maximum medical improvement" (MMI) and get rated for your injury, you are
also entitled to an additional payment for your permanent injury, if any.
We handle work comp cases on a contingency fee basis, i.e., if we do
not win, then we do not get paid. This not only gives us incentive to win
our cases, but it also spares injured workers from paying attorney fees up
front.
We would be happy to discuss your case in more detail by phone or in
person. There is a two (2) year statute of limitation in work comp cases,
so your Form 18 normally must be filed by then to protect your claim.
Don't sleep on your rights. Get good advice. The other side always will.
copyright 1998
Brewer & Brewer
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