Workers Compensation in North Carolina
State-specific overview · Employment Law
North Carolina makes workers' compensation optional for most private employers but mandatory for construction companies.
How North Carolina treats Workers Compensation
Unlike most states, North Carolina does not require private employers to carry workers' compensation insurance, though most do voluntarily. Construction companies and certain other industries must carry coverage. Employees who lack coverage may pursue negligence lawsuits against employers instead. When coverage exists, benefits include medical care, temporary disability payments, and permanent partial or total disability awards based on injury severity.
The general definition of Workers Compensation
Insurance that provides medical benefits and wage replacement to employees injured during work.
Workers compensation is a form of insurance that employers are required to carry to protect employees who are injured or become ill as a result of their job. When an employee is hurt at work, workers compensation covers medical expenses, rehabilitation costs, and a portion of lost wages while the employee recovers. In exchange, the employee generally gives up the right to sue the employer for the injury. The system is designed to provide quick, predictable benefits without the need for a lawsuit. Benefits vary by state and depend on the severity of the injury.
Read the full Workers Compensation entry →This page is a plain-English reference and is not legal advice. State laws change frequently. For specific situations consult a licensed attorney in North Carolina.