If you’ve suffered a life-altering injury like an amputation at work, you’re likely overwhelmed with medical questions, emotional stress, and worries about what comes next — including how to pay for the care and equipment you may need to move forward. One of the most common questions we hear is:
Will workers’ compensation cover the cost of a prosthetic device?
In North Carolina, the answer is typically yes — workers’ compensation does cover prosthetics for employees who suffer a work-related amputation. But as with many aspects of the claims process, there are important details to understand.
Understanding Workers’ Comp Coverage for Prosthetics
Under North Carolina Workers’ Compensation law, employers (and their insurance carriers) are required to cover the cost of medical care related to a workplace injury — and that includes prosthetics for qualified amputations. The care usually must be recommended by an authorized treating doctor and ordered in writing.
That coverage typically includes:
- Initial prosthetic fitting and purchase
- Replacement prosthetic devices (as medically necessary)
- Ongoing medical care related to the use of the device, including physical therapy and adjustments
- Durable medical equipment like wheelchairs, walkers, or orthotics
- Home and vehicle modifications (in some cases) to help with accessibility and daily living
It's important to know that prosthetic devices are not one-time expenses. Many devices need to be replaced or upgraded every few years due to wear and tear, changes in your body, or advances in technology.
Common Work Injuries That Can Lead to Amputation
Many amputations result from industrial, construction, or manufacturing accidents where workers come into contact with heavy machinery or equipment. According to workplace safety research, common causes include:
- Power tools (like saws, grinders, or presses)
- Conveyor belts and rotating machinery
- Crush injuries involving heavy materials or equipment
- Agricultural machinery or moving vehicle parts
- Severe burns or electric shock
While finger amputations are among the most common, some accidents involve partial or total loss of limbs, requiring extensive recovery and long-term support.
What to Do If You’ve Suffered an Amputation at Work
- Report the injury to your employer immediately. Timely reporting is essential to avoid delays or denials in your claim.
- Seek emergency medical treatment and follow up with appropriate specialists.
- File a workers’ compensation claim with the North Carolina Industrial Commission.
- Document everything — including your diagnosis, treatment plan, medical bills, and any communication with your employer or the insurance company.
- Talk to an experienced workers’ compensation attorney to make sure you’re receiving the full benefits and support you’re entitled to.
Why Legal Guidance Matters
Prosthetic devices and related care can be expensive, and insurance companies may try to reduce what they pay by disputing your medical needs or pushing for cheaper alternatives. A Board-Certified Workers’ Compensation Specialist can:
- Ensure you receive the correct type and quality of prosthetic for your lifestyle and occupation
- Help you fight for additional benefits, such as home modifications or vocational retraining
- Advocate for long-term care and replacement needs as part of your claim
Shankle Law Firm Is Here for You
At Shankle Law Firm, we’ve helped injured workers across North Carolina get the care, compensation, and respect they deserve after serious workplace injuries — including amputations. Maggie Shankle is a Board-Certified Workers’ Compensation Specialist, recognized by the North Carolina State Bar, and known for her compassion, skill, and relentless advocacy.
If you’ve experienced a work-related amputation and want to make sure your rights are protected, call us today at (704) 370-1212 for a free consultation.
*Please Note - The content on this website is for informational purposes only and does not constitute legal advice. Viewing this site, using information from it, or communicating with Shankle Law Firm, PA through this site does not create an attorney-client relationship. For legal advice tailored to your situation, please contact us directly at (704) 370-1212.