To be covered by workers’ compensation insurance, an injury or occupational illness must arise while you are performing the duties of your job. If this happens to you, Tammy Ross Insurance, the premier seller of life insurance, homeowners insurance, and workers’ compensation insurance in Monroe, NC, wants you to know how to file a claim in North Carolina. Since the agency's founding in 1998, it has provided customers throughout Union County with top-quality products and invaluable guidance.

3 Steps to Filing a Workers’ Compensation Claim in North Carolina

1. Notify Your Employer

Part of the filing process is to provide written notice to your employer of the injury or illness you suffered on the job. You must do this even if your employer already is aware of your mishap or has agreed to pay for medical treatment.

2. Fill Out a Workers’ Compensation Claim Form

Don't wait for your employer to file a workers’ compensation claim — do it yourself, even if the company is paying for your treatment. In North Carolina, only injuries that occur due to accidents are covered, so be sure to describe the incident carefully. An injury that occurs "while moving boxes" may not be covered, but one that happens while you are "trying to stop a falling box" probably will be. An occupational disease or illness must be work-related, meaning employment puts you at increased risk of contracting it and the illness is at least partly the result of hazardous work conditions. Start by filling out Form 18 on the North Carolina Industrial Commission's website.

3. File a Claim Within Two Years

North Carolina has strict time requirements for filing a workers’ compensation claim. Your injury due to accident claim must be submitted within two years of the injury or last payment for treatment if your employer has paid for medical care. Your occupational disease claim must be filed within two years of a doctor diagnosing the condition or you being disabled by it.

Tammy Ross Insurance, the premier business, home, and life insurance agency in Monroe, NC, can design the right policy for your needs and budget. Send a message online or call (704) 233-4981 to request a quote and visit their website for more information about their products.