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Helping injured workers understand their rights - II

In our last post, we started providing some basic background information on the workers' compensation system here in South Carolina in recognition of the fact that state laws and literature on this topic can sometimes be difficult to comprehend, meaning injured workers and their families may not always have the answers they need during otherwise trying times.

In today's post, we'll continue this discussion, examining the work comp premiums paid by employers and what exactly happens in the event of a workplace injury.

Workers compensation premiums

As previously discussed, South Carolina requires all businesses with at least four workers -- employed on either a full- or part-time basis -- to carry work comp insurance.

The cost of carrying this work comp insurance is far from uniform, however, as insurance companies will consider a multitude of factors in setting the price of premiums. Some of these factors include the number of employees, wages paid, nature of the work performed, safety record, prior accidents and, of course, claim history. As you would expect, the more hazardous the job, the higher work comp premiums will be.

It's extremely important to understand that it's illegal under state law for an employer to mandate that their workers cover any of the cost of work comp insurance.

When an accident occurs

In the unfortunate event of a workplace accident, it goes without saying that an employer's first obligation is to ensure that any and all injured workers receive the necessary medical treatment.

However, if the injury is serious, they must also report it to the work comp insurance provider, which will then report the matter to the state's Workers' Compensation Commission. However, if the event is relatively minor, meaning it costs less than $500 to treat and does not cause more than one day away from work, there is no reporting requirement.

We will continue this discussion in future posts.

Those workers who have suffered serious personal injuries while on the clock should strongly consider speaking with an experienced legal professional to learn more about their rights as they relate to workers compensation. 

Philpot Law Firm, PA
115 Broadus Ave.
Greenville, SC 29601

Toll Free: 866-853-3497
Toll Free: 866-853-3497
Phone: 864-990-0226
Phone: 864-990-0226
Fax: 864-242-1566
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