The short answer is, yes, the workers’ compensation insurance company pays medical bills if they have accepted your workers’ compensation claim.
When someone gets hurt on the job, one of the first things that likely goes through their mind is, “How am I going to pay for all of this?” If you take action and inform your employer about the accident, you may be covered under their workers’ compensation insurance. Every company that has over two employees is required to carry workers’ compensation insurance on their employees. You do not necessarily have to have a workers’ compensation attorney for your claim, but hiring an attorney can help you ensure you get all of the benefits and compensation available in your case.
As long as the workers’ compensation insurance agency accepts the injury, medical bills will be covered under workers’ compensation. An insurance company typically does this by filing either a Form 60 or Form 63. As the employee, you must be able to prove the injury or occupational disease was sustained in the course of your employment. One, sometimes-frustrating, experience when dealing with a workers’ compensation case is that the insurance company can choose which doctor(s) you go see. However, if you feel like you should be able to receive a second opinion you can do that by going through the North Carolina Industrial Commission.
If the insurance company denies your workers’ compensation claim then you should have your own insurance company treat your injuries and, through a workers’ compensation claim, you can then have your insurance company paid back the incurred expenses if you are successful in having your workers’ compensation claim accepted.