Employees in nearly every field and industry in Alabama, and throughout the U.S., can be at risk of suffering some type of work-related injury. According to the U.S. Bureau of Labor Statistics, private industry employers reported over three million occupational injuries and illnesses in 2013. Often, these workers must rely on the benefits provided through their employers’ workers’ compensation policies to cover their medical expenses, and help supplement their incomes while they are off of work to recover, or are on limited duty.
At The Sapp Law Firm, L.L.C., we regularly consult with people who have suffered injuries on the job, but who are unsure of the benefits they may be entitled to receive. In this post, we will discuss the types of workers’ compensation benefits that Alabama workers may be entitled to receive.
There are several types of benefits available to injured workers through workers’ compensation, including coverage of medical expenses. Often, people who suffer work-related injuries require medical treatment. With few exceptions, the costs of reasonable and medically necessary medical care may be covered by workers’ compensation. This includes doctors’ office visits, tests, procedures and surgeries. Additionally, certain medical equipment and devices may also be covered by workers’ compensation benefits.
Beyond covering medical expenses, workers’ compensation may also provide compensatory disability pay. As a result of having suffered occupational injuries or illnesses, it is common for injured workers to be off of work while they recover. Once returning to work, they may be forced to be on light or restricted duty for a period of time. Both of these situations can result in lost income. Depending on workers’ injuries, conditions and other factors, injured employees may be awarded temporary partial, temporary total, partial permanent or total permanent disability, according to the Alabama Department of Labor. Generally, these benefits are based on percentage of workers’ average weekly earnings over the 52 weeks prior to their injury,.
In some cases, employees may not survive the injuries or illnesses that they sustain on the job. When workers are killed as the result of workplace accidents or incidents, they may be entitled to death benefits. Typically, this includes monthly benefit payments that are a percentage of the employees’ wages, as well as a lump sum payment.
To learn more, please visit our workers’ compensation page.