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South Carolina Workers’ Compensation Law Basics for Adjusters, Produced by AI

04 Sep, 2025 Frank Ferreri

south carolina 4047531 1280
                               
CategoryKey Information
Coverage RequirementRequired for employers with four or more employees, including part-time workers.
Nature of CoverageStatutory, no-fault insurance. Administered by the SC Workers’ Compensation Commission.
Claim Filing DeadlinesInjury by accident: 2 years from the date of accident (§42-15-40).
Occupational disease: Within 2 years of diagnosis.
Indemnity BenefitsTemporary Total: 66⅔% of average weekly wage, subject to state max.
Permanent Partial: Based on scheduled loss.
Fatal: Benefits to dependents + funeral expenses.
Medical BenefitsEmployer/carrier selects treating physician.
Lifetime coverage for necessary treatment.
Permanent DisabilityBased on scheduled injuries (e.g., hand = 185 weeks, foot = 140 weeks) and impairment rating.
Claim DenialsMay be denied for:
- Willful misconduct
- Intoxication
- Failure to report timely
Adjuster RoleInvestigate and evaluate claims.
Coordinate medical care.
Calculate and issue benefits.
Negotiate settlements.
Employer RoleMust report injuries promptly and cooperate with carrier/adjuster.
Return-to-Work ProgramsEncouraged to reduce costs and improve outcomes; light duty options supported.
Cost-Saving TipsEarly reporting, safety programs, use of authorized medical providers, return-to-work strategies.

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About The Author

  • Frank Ferreri

    Frank Ferreri, M.A., J.D. covers workers' compensation legal issues. He has published books, articles, and other material on multiple areas of employment, insurance, and disability law. Frank received his master's degree from the University of South Florida and juris doctor from the University of Florida Levin College of Law. Frank encourages everyone to consider helping out the Kind Souls Foundation and Kids' Chance of America.

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