Alabama Workers' Compensation Laws
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Alabama workers' compensation laws regulate the types of injuries for which workers' compensation benefits are made available, as well as the variety of benefits available depending on the type of injury.
Claims under Alabama Workers' Compensation Laws
Accidental Injuries: Alabama workers' compensation laws cover injuries that occur because of accidents at the worksite. Most workplace accidents are covered by workers' compensation insurance. However, if the employee is intoxicated or using drugs at the time of the accident, or when the employee fails to obey his employer's rules or follow statutory provisions, his injury may not be covered under the Alabama workers' compensation system.
Occupational Illnesses: If an illness comes about because the conditions at the worker's place of employment are harmful to his health (such as carpal tunnel syndrome, radiation sickness, or black lung disease, to name a few), then the disease falls under the umbrella of Alabama workers' compensation.
Death: If an employee's job-related disease or injury causes his death, his surviving dependents may receive death benefits.
Alabama Workers' Compensation Benefits
Treatment of Workplace Injuries or Illnesses: Your employer's insurance provider will pay your medical bills related to your work-site injury or occupational disease. Such bills may include hospital and doctor bills. The insurance company will directly pay the healthcare provider for these costs.
Mileage and Wage Reimbursement: Mileage costs to medical appointments for treatment of your occupational injury or illness may be reimbursed by your employer's workers' compensation insurance. Additionally, wages you lose because of time spent traveling to and attending appointments may be reimbursed.
Death and Funeral Benefits: For up to 500 weeks, a deceased employee's dependent relatives may receive death benefits to replace lost wages. These benefits are subject to statutory minimum and maximum amounts. The worker's dependents may also get money for burial costs up to $3,000.
Lost Wage Benefits: Alabama workers who have lost time at work due to their injury or illness may qualify for lost wage benefits, which are divided into the following four categories:
1) Temporary Total Disability Benefits (TTD): These benefits are paid at 2/3 of the worker's pre-injury average weekly wage for 52 weeks if the occupational injury or disease temporarily and completely makes the worker unable to work.
2) Temporary Partial Disability Benefits (TPD): The employee's illness or injury makes it impossible for him to do his old job, but he can work in a reduced capacity. An employee will be paid benefits each week for up to 300 weeks at 2/3 of his pre-injury or illness average weekly wage.
3) Permanent Total Disability Benefits (PTD): The workplace illness or injury makes it impossible for the employee to perform the duties required of gainful employment. The employee will, each week, receive 2/3 of his average weekly wage prior to his injury.
4) Permanent Partial Disability Benefits (PPD): The employee can work, but his injury or disease will permanently affect him in some way and make it difficult to perform duties at his old income level. He will get PPD benefits for 300 weeks at 2/3 of his pre-injury average weekly wage.
Alabama Workers' Compensation Statutes
For more information on Alabama workers' compensation laws, including the full text of the Alabama workers' compensation statutes, see the online version of the Code of Alabama.
Employers Subject To Workers' Compensation: Workers' Compensation Act, Title 25, Chp.5 § 1; Covered Employees: Workers' Compensation Act, Title 25, Chp.5 § 1; Benefits: Workers' Compensation Act, Title 25, Chp.5 §§ 57-69; Claims Procedure: Workers' Compensation Act, Title 25, Chp.5 §§ 78-85.