Sustaining an injury at work is not only a physically painful event but also an emotional challenge. You have to worry about treatment and recovery, as well as how you are going to make ends meet while you are unable to work full time or at all.
The purpose of workers' compensation is to provide the finances you need to cover medical and daily expenses. While it is supposed to alleviate your worries, the process of filing a claim can be stressful. Knowing these common myths is the first step in navigating workers' comp successfully.
Myth 1: Workers' compensation covers all bills
Unfortunately, benefits come with their limitations. They only cover about 66 percent of your average wages per week. Payments do not include the first week of time off work unless your injury lasts longer than 21 days. For medical reimbursement, you must seek approval for certain treatments before receiving them, such as visiting a chiropractor.
Myth 2: You can work once you feel fine
Much of workers' compensation relies on the judgment of your doctor. Therefore, you need to do everything your doctor says not only to ensure the best physical recovery but also the best financial one. Going back to work too soon can cause more injury and hurt your claim, as the insurance company may take it as a sign that you are not as hurt as you said you were. Only go back to work once you get the green light from your doctor, and even then, only stick with the tasks and hours your provider sets.
Myth 3: A denial is the end of the road
On the contrary, a denial is common, so you need not see it as the final say. You can appeal by requesting a hearing with the North Carolina Industrial Commission. You will need to provide further evidence as to why you are eligible for benefits.