Your workers’ compensation rights in Charlotte remain protected even if your employer closes, goes bankrupt, or changes ownership during your claim, because benefits are paid by the insurance carrier or approved self‑insurer rather than the employer directly. If the employer was insured, the insurer continues payments; if self‑insured and insolvent, the North Carolina Insurance Guaranty Association steps in; and if uninsured, you can still file with the Industrial Commission and may pursue a civil lawsuit for damages beyond workers’ comp limits. Experienced attorneys can help verify coverage, file claims, navigate insolvency issues, and pursue additional remedies to ensure your benefits are fully protected.