Many of the clients who come to us here at the Sapp Law Firm with work-related injuries have a number of misconceptions about the availability of workers' compensation. They often see statistics such as those shared by the U.S. Department of Labor showing that the Office of Workers' Compensation Programs in Alabama has paid out over $58 million in compensation benefits and medical bills and mistakenly think that securing such a benefit is easy. What they may not understand is that insurers and compensation funds don’t stay in business by paying on every claim they receive. Rather, they view the entire claim process with a great deal of scrutiny. One area that serves as the basis for many denials is in the claim submission process.
The actual time that the claims submission process for workers compensation begins is immediately after the accident occurs. Responders providing medical treatment and clinicians who perform immediate follow-up care need to know of one’s intentions of filing a workers' compensation claim. This eliminates any hassles of having to also deal with health insurance denials, which will come if claims are submitted without first showing that the state’s workers' compensation fund program has already heard the case.
In all but emergency cases, one’s employer will direct him or her to the company’s chosen physician. Thus, the employer typically knows right from the time of the accident, the need to submit a claim to the state’s workers' compensation program. The statute of limitations for filing a workers' compensation claim in Alabama is two years from the date of the accident or the date or receipt of one’s last compensation payment.
For more information on the claim submission process, visit our Workers’ Compensation page.