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Questions & Answers

A Guide to Your Rights Under the North Carolina Workers Compensation Act

1. Are you protected? The North Carolina Workers’ Compensation Act was created to protect workers who have been injured on the job. However, only certain employers are required to maintain workers’ compensation insurance.

To determine if you are covered, ask yourself the following questions:

  • does your employer regularly employ three or more employees in the same business or establishment?
  • If you are an agricultural worker, does your employer regularly employ 10 or more full-time non-seasonal workers?

If you answered yes to either of these questions, your employer is required by law to carry workers’ compensation insurance. In addition, the following groups are also covered: 1) individuals who work for the State, City, or County; 2) an individual who works with or around radiation, regardless of the number of employees; 3) individuals who are employees of a construction subcontractor. In addition, employers who may not be required to purchase insurance by law may still choose to do so and carry coverage on their employees.

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