North Carolina Workers’ Comp: The 30-Day Rule That Kills Claims (and Settlements)
The 30-day notice rule: The importance of prompt injury reporting. Quick Takeaways The Trap: In NC, can an employee lose benefits if they don't report an injury in writing within 30 days? Yes. Most employers overlook this rule, which opens...
Continue ReadingNorth Carolina Farm Workers’ Comp: The 10-Person Trap That Can Ruin Your Farm
North Carolina Workers' Comp: Agricultural Exemption and the 10-Person Rule Quick Takeaways The Regular Employee Threshold: North Carolina's agricultural exemption from mandatory workers' comp coverage applies only to operations with fewer than 10 regular employees. Seasonal workers and uninsured labor...
Continue ReadingNorth Carolina Construction Audit: Is a $10,000 Typo Hiding in Your Payroll?
North Carolina Workers' Comp: Construction Payroll Classification and the Audit Split Rules Quick Takeaways The Default Highest-Rate Rule: In NC construction, auditors assign all of an employee's payroll to the highest-rated classification if the employee performs duties in multiple categories...
Continue ReadingNorth Carolina LLC Member Exemption: Your “Paper Shield” Will Fail You
North Carolina Workers' Comp: LLC Member Exemption and the Coverage Gap Quick Takeaways The Coverage Gap: North Carolina LLC members are excluded from workers' comp by default and do not count toward the three-employee threshold. But personal health insurance policies...
Continue ReadingNorth Carolina 3-Employee Rule: Is Your Small Business a ticking time bomb?
The North Carolina Three-Employee Rule: A Small Business Landmine Quick Takeaways The Trap: Thinking you're too small for workers' comp? That's a dangerous assumption. In North Carolina, officers and family members count toward the three-employee threshold. The Rule: Any business...
Continue Reading