Is it legal in North Carolina to charge worker compensation insurance premiums to the covered employee?

• A. Yes
• B. No
• C. Only if approved by the employee
• D. Depends on the industry

Answer: (B)

In North Carolina, it is not legal for employers to charge workers' compensation insurance premiums to their covered employees. Workers' compensation insurance is a benefit provided by the employer to cover work-related injuries and illnesses. This system is designed to ensure that employees receive necessary medical care and partial wage replacement without having to incur costs associated with the coverage themselves.

The rationale behind this rule is to maintain the purpose of workers' compensation as a no-fault insurance program that protects employees and ensures they are not financially burdened for something that is the employer's responsibility. By requiring employers to shoulder the financial obligation of premiums, the state reinforces the expectation that workers should be able to focus on their recovery without the added concern of insurance costs being passed onto them.