If you’ve been hurt on the job in Alabama, you may be entitled to benefits through the state’s workers’ compensation system. These laws are designed to support employees who suffer work-related injuries or illnesses by covering medical expenses and a portion of lost wages. Understanding your rights can help you get the help you need during recovery and avoid common delays or denials.
Who Qualifies for Workers’ Compensation in Alabama?
Most employers in Alabama with five or more employees are required to carry workers’ compensation insurance. This includes both full-time and part-time workers. Independent contractors and certain agricultural or domestic workers may not be covered under the law, so it’s important to clarify your status early in the claims process.
What Benefits Are Available?
Injured workers may be eligible for several types of benefits:
- Medical Benefits: Covers doctor visits, hospital stays, physical therapy, prescriptions, and necessary surgeries.
- Temporary Total Disability (TTD): Pays a portion of wages while the worker is unable to work.
- Permanent Partial or Total Disability: Compensation for lasting impairments.
- Vocational Rehabilitation: Help with retraining or job placement if you can’t return to your previous job.
How to File a Claim
After a workplace injury, you must report it to your employer as soon as possible—preferably within five days. Delays in reporting can lead to denied claims. Once reported, your employer should notify their insurance provider and begin the claims process. Medical care must be obtained from an employer-approved provider.
Can I Choose My Own Doctor?
In Alabama, your employer or their insurance company usually selects the treating physician. If you’re unhappy with your care, you may request a panel of four physicians from which to choose a new doctor. This allows you some flexibility while still staying within the bounds of the system.
What if My Claim Is Denied?
If your workers’ compensation claim is denied or delayed, you have the right to file a complaint with the Alabama Department of Labor’s Workers’ Compensation Division. You may also want to speak with an attorney who handles workers’ comp cases in Alabama.
Deadlines to Know
In general, you must file a formal workers’ compensation claim within two years of the date of injury or the date of your last payment of compensation. Missing the deadline could mean losing your right to benefits entirely.
Common Work Injuries Covered
The Alabama workers’ compensation system covers a wide range of injuries, including:
- Falls from ladders or scaffolding
- Machinery-related injuries
- Repetitive motion injuries
- Exposure to toxic chemicals
- Back, neck, and joint injuries
- Construction site accidents
When to Contact a Lawyer
If your injury is severe, your claim is disputed, or you are struggling to get the care or benefits you need, contacting an attorney can help. Many lawyers offer free consultations and only get paid if you win benefits. They can help gather medical records, represent you at hearings, and ensure deadlines are met.
Final Thoughts
Workers’ compensation laws in Alabama are meant to protect injured workers—but the system can be difficult to navigate on your own. Whether your claim has been denied, delayed, or you’re just not sure what to do next, it’s important to take steps to protect your rights and get the help you need.
If you were injured on the job, speak with a workers’ compensation attorney in Alabama today. They can walk you through the process and help you fight for the full benefits you deserve.