Frequently Asked Questions

Are employers required to have workers’ compensation coverage in South Carolina?
Generally speaking, any employer with four or more full-time employees is required to have this coverage.

What if my employer doesn’t have workers’ compensation insurance?
First, a determination must be made whether your employer was obligated to have coverage or not. If so, a claim with the state’s Employers’ Uninsured Fund can be made. If your employer is determined to be responsible, then the Fund will handle the claim and seek reimbursement from your employer later.

What am I entitled to under workers’ compensation?
Employees are entitled to medical care for the injuries they sustained at work; temporary total pay if they are kept out of work for more than seven days by the authorized treating doctor; and compensation for any permanency they may have sustained. Future medical benefits and ongoing weekly temporary total benefits can be paid indefinitely depending on the nature of the injury sustained by the employee.

What should I do when I am injured at work?
Immediately tell your employer that you were injured on the job. After requesting medical attention, ask to complete a first report of injury form. It is essential that a written report detailing the facts of your accident be recorded and that witnesses are identified.

Can I choose the doctor to treat my injuries?
In South Carolina, the employer and the insurance carrier decide where you will receive medical treatment. A second opinion can be requested if the employee does not believe he or she is improving or is not receiving the appropriate medical care.

Can I go to my own doctor for an evaluation and treatment?
Generally, if our clients are not satisfied with the medical treatment they have received, we will arrange for an independent medical evaluation.