Workers’ Compensation for Injured Firefighters & Law Enforcement in North Carolina

What first responders should know about
workers’ compensation in North Carolina

Firefighters, police officers and first responders in North Carolina face many dangers in the line of duty. Along with the potential for injury, they’re also at risk for developing post-traumatic stress disorder (PTSD) and diseases due to toxic chemical exposure.

In recent years, there have been a number of high-profile court cases nationwide dealing with the benefits to which such workers may be entitled, including psychological and medical treatment, as a result of the dangers experienced while on the job.

Generally speaking, workers’ compensation applies to those who are employed by a company, organization or government agency. This coverage extends to firefighters, police department members and organized rescue squad members.

Common accidents for first responders

Because first responders must react quickly to emergencies, they’re always at an increased risk of vehicle accidents while driving, especially when performing rescue missions during a natural disaster. But they face numerous other hazards on a daily basis as well.

Below are some other common accidents that firefighters, police officers and emergency medical technicians (EMTs) encounter at work.

Firefighter accident risks

While the dangers firefighters face are many and varied, the most obvious risk is from the fire itself, which can be exacerbated by smoke inhalation, burns, or even structural collapse. Other dangers include:

Police officer accident risks

Police officers have a high risk of physical altercations with suspects. Officers may be injured by firearms or other weapons during a shooting incident or while handling firearms during training.

Officers may also be exposed to dangerous chemicals or substances that can lead to explosions, especially during drug busts.

EMT accident risks

In addition to their risk of vehicular accidents, EMTs are at a high risk of contracting infectious diseases and getting stuck by a needle while performing their job duties.

Common injuries among first responders

Due to the physical requirements of first responders, these workers have a higher-than-average injury and death rate from accidents at work.

In fact, according to a study by the National Fire Protection Association (NFPA ), an estimated 60,750 firefighter injuries occurred in the line of duty in 2021 alone.

Additionally, data from 2019 shows that police officer deaths from on-the-job injuries occurred at a rate of 11.1 per 100,000 full-time workers. By comparison, the rate for all occupations was only 3.5 per 100,000 full-time workers.

Below are some of the most common injuries experienced by first responders.

Common injuries among firefighters

According to the NFPA, the leading cause of injuries among firefighters in 2021 was overexertion, accounting for 25 percent of all injuries. These types of injuries often affect muscles in the back and neck.

Other common injuries include:

Common injuries among police officers

Common injuries among EMTs

Some common injuries among EMTs include:

• Musculoskeletal injuries to the back and neck from lifting and moving patients
• Needle stick injuries while giving injections or drawing blood, which can lead to serious diseases.
• Infectious diseases from treating patients with communicable illnesses.
• Respiratory injuries from inhaling smoke and toxic gasses at the site of an accident
• Broken bones and brain injury from slip-and-fall accidents and vehicle crashes

What are work-related injuries?

According to North Carolina law, a work-related injury is defined as an injury or illness arising out of and during employment.

In general, an injury is considered work-related when an employee is injured while performing a task that is directly related to their job, regardless of whether it occurs on the job site or not.

So injuries to first responders during vehicle accidents while driving for their jobs should be covered under workers’ compensation.

It’s important to note that under North Carolina law, injuries resulting from horseplay or intoxication and self-inflicted injuries are not covered by workers’ compensation.

What types of injuries are covered under workers’ comp in North Carolina?

In North Carolina, workers’ compensation covers 3 types of work-related injuries and illnesses. These include traumatic injuries, stress injuries and occupational injuries:

• Traumatic injuries. These are injuries that occur from a one-time event like a vehicle accident, such as broken bones and head injuries.
• Stress injuries. These are injuries that develop over a long period of time, such as carpal tunnel syndrome and tendonitis. Stress injuries often can result from repetitive movements or prolonged sitting, standing or driving.
• Occupational injuries. These injuries are caused by exposure to hazardous conditions or toxins in the workplace. These can include a wide range of illnesses, including asbestos-related illnesses, chemical burns, poisoning and neurological disorders.

Compensation for first responders injured on duty

Under North Carolina law, protections are provided when police officers or emergency responders experience injuries or are killed while on the job. Such workers, along with their surviving loved ones, have a right to receive workers’ compensation benefits.

In the event a first responder isn’t able to work due to an occupational injury or illness, they are eligible to receive the following benefits:

• Income replacement. Injured workers can receive a percentage of their average weekly income that they received up to the date of injury.
• Disability benefits. In situations in which the worker is permanently disabled and unable to return to work, the worker may also be eligible for permanent disability benefits.
• Medical expenses. Workers are also entitled to receive payment for medical treatments.

How to file a workers’ comp claim in North Carolina?

To file a workers’ compensation claim in North Carolina, you should take the following steps:

1. Seek medical help for your injury as soon as possible. This is important for ensuring that your injury is properly diagnosed and treated. It will also provide documentation of the injury, which can be used as evidence in your workers’ compensation claim.
2. Inform your employer of the injury within 30 days. This is a requirement under North Carolina law. You can inform your employer verbally or in writing, but it is recommended that you do so in writing to ensure a record of your notification.
3. File a claim. To officially file a claim, you must fill out Form 18 and file it with the North Carolina Industrial Commission within 2 years of the date of the injury. This form can be found on the Commission’s website and must be filled out by you and your employer.
4. Contact an attorney. It’s always recommended that you consult with an attorney specializing in workers’ compensation before filing a claim to ensure your rights are protected.

Expanding PTSD coverage for firefighters, police officers and first responders

Firefighters, police officers and first responders may have significant medical expenses in the event of an injury or if they develop a disease due to their work. In such cases, they may be unable to return to work temporarily or at all. Family members may also be left behind to face significant emotional and financial burdens in the case of a fatal injury.

Due to the potential for such challenges, these workers have continued to fight for expanded coverage beyond what most injured workers can receive from workers’ compensation. Recently, H.B. 492 was passed in the N.C. House of Representatives. If this bill is made law, it would make it possible for law enforcement officers, first responders and firefighters to obtain benefits when they experience psychological trauma as part of their jobs.

Although it had been previously established that employees in North Carolina may seek benefits for physical injuries and mental illness, this bill would list PTSD as an occupational disease for which workers can be compensated when employed by local and state governments. In order to qualify for benefits, the worker would need to be examined by a healthcare provider and be diagnosed with PTSD.

Furthermore, it would need to be established that the worker’s PTSD was the result of employment activities. Should this bill go into law, it would remove legal hurdles that first responders previously had faced when demonstrating that they were at a greater risk than the general public of developing PTSD as a result of their occupational activities.

Issues with filing workers’ comp claim for PTSD

Workers filing claims for mental health conditions like PTSD may face several challenges.

One of the major challenges is proving that the worker’s job duties were the primary cause of their diagnosis. This can be difficult as PTSD is a mental disorder that takes time to diagnose, and symptoms may not appear until months after the traumatic event.

Furthermore, because PTSD symptoms aren’t usually visible to others, it’s not always easy to diagnose. The lack of physical evidence, such as broken bones or bruises, can also make it harder for workers to prove that their condition is preventing them from being able to perform their job duties.

North Carolina cancer presumption laws

Along with PTSD, first responders, firefighters and police officers may also be at increased exposure to carcinogens and toxins. This has made the risk of developing cancer a growing concern amongst firefighters, in particular, in recent years.

In fact, research has shown that firefighters have a greater risk of developing certain types of cancer, including mesothelioma. Consequently, presumption laws have now been passed in many states to provide greater protection for firefighters diagnosed with cancer.

North Carolina lawmakers have been working since 2007 to obtain such presumptive cancer coverage. Although none of these laws have been passed to date, if passed, these laws would assist firefighters in obtaining such benefits as workers’ compensation and larger disability pensions. These laws would also make it easier for loved ones to obtain death benefits. Among these bills is House Bill 520, which passed in the House in 2019 but later stalled in the North Carolina Senate.

Under this bill, 9 cancers were listed as occupational diseases, including:

Unfortunately, until these bills actually do become law, these workers are often left trying to pay for the cost of the medical treatment out of pocket.

Contact a Charlotte, N.C. workers’ compensation attorney

Workers’ compensation claims can be complicated, especially if you’re a first responder dealing with PTSD or an occupational cancer diagnosis.

At Wilder Pantazis Law Group, our workers’ comp attorneys are committed to helping first responders in North and South Carolina recover maximum compensation for their injuries. We offer free initial consultations, and we work on contingency—so you won’t pay a fee unless we win your case.