Under North Carolina workers' compensation law, what is the waiting period before benefits begin for a temporary total disability claim?
Correct Answer
B) 7 days
NC workers' compensation law establishes a 7-day waiting period before temporary total disability benefits begin, though benefits are retroactive if disability exceeds 21 days.
Why This Is the Correct Answer
The correct answer is B (7 days). NC workers' compensation law establishes a 7-day waiting period before temporary total disability (TTD) benefits begin. Importantly, if the disability continues beyond 21 days, the benefits become retroactive to cover those first 7 days as well.
Why the Other Options Are Wrong
Option A: 14 days
14 days is incorrect. No state standard waiting period of 14 days exists for NC workers' compensation TTD claims. This is a plausible-sounding distractor but does not reflect NC law.
Option C: 21 days
21 days is not the waiting period — it is the threshold at which benefits become retroactive. If the worker's disability lasts longer than 21 days, the insurer must go back and pay for the initial 7-day waiting period. Confusing the 21-day retroactivity trigger with the 7-day waiting period is a very common mistake.
Option D: 3 days
3 days is incorrect. Some states use a 3-day waiting period, but NC uses 7 days. Three days may seem logical as a shorter waiting period, but it does not match NC statute.
Memory Technique
Use the 7-21 rule: Wait 7 days, get paid back if out 21+ days. Think of it as a 'ladder': step 1 (day 1-7) = waiting period, no pay; step 2 (day 8-21) = benefits begin; step 3 (day 22+) = retroactive pay for the first 7 days kicks in.
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