Each state has its requirements for workers’ compensation. In North Carolina, businesses that regularly employ three or more employees generally must maintain workers’ compensation coverage. Other businesses in certain industries may also be required to maintain coverage even if they have fewer than three employees (e.g., businesses that involve the use or presence of radiation). Workers’ compensation insurance for injured workers in North Carolina typically cover the following:
Ongoing medical care for a workplace injury or illness
Missed or reduced wages from a work-related injury or illness
Funeral costs if any employee passes away due to a work-related injury or illness
Disability benefits