How to File for Workers' Compensation in South Carolina: A Step‑by‑Step Guide

What Workers' Compensation Covers in South Carolina

In South Carolina, workers' compensation protects employees who suffer job‑related injuries or illnesses. Coverage includes medical care, temporary or permanent disability benefits, and death benefits for dependents. Employers must carry insurance or be self‑insured to provide these benefits.

Who Can File a Claim

Any employee who sustains a workplace injury or illness, including those occurring on or off duty, may file a claim. Employees must act promptly and follow the state's filing procedures to preserve eligibility.

Step 1: Report the Injury to Your Employer

Within 30 days of the incident, notify your employer in writing. Include details such as date, time, location, and a description of the injury. Employers must forward the report to their insurer and provide a claim form.

Step 2: Complete the Workers' Compensation Claim Form (SC‑5)

The SC‑5 is the official claim form used statewide. You can obtain it from your employer, the insurer, or the South Carolina Department of Labor's website. Fill out the form accurately, sign, and submit it to the insurer within 30 days of reporting.

Step 3: Provide Medical Documentation

Obtain a medical evaluation from a provider approved by the insurer. The physician will complete a medical report and recommend treatment. Keep copies of all medical records, receipts, and prescription lists.

Step 4: Meet Deadlines and Follow Up

Key dates:

• Report to employer: within 30 days
• Submit claim form: within 30 days of report
• Medical evaluation: within 60 days of injury

Common Pitfalls to Avoid

Missing deadlines, incomplete forms, or failing to provide medical evidence can delay or deny benefits. Keep a checklist:

• Written injury report
• Completed SC‑5 form
• Medical report
• Proof of payment for medical services

What Happens After Filing

The insurer reviews the claim. They may assign a case manager who will contact you for additional information. If approved, you'll receive a temporary disability benefit (usually 60–70% of your average weekly wage). If you're permanently disabled, you may qualify for permanent disability benefits.

Dispute Resolution and Appeals

If your claim is denied, you have the right to appeal. File a written request within 30 days of the denial notice. The South Carolina Workers' Compensation Board will schedule a hearing where both parties can present evidence.

Helpful Resources

• South Carolina Department of Labor, Licensing & Regulation – https://www.scldlr.gov• Workers' Compensation Claim Form (SC‑5) – Download• Workers' Compensation Appeals – Appeal Process

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