Workers’ compensation provides benefits to employees injured or made ill on the job. This system ensures that workers receive medical care and wage replacement without needing to prove fault. Knowing the steps in the process helps you navigate it effectively if you face a workplace injury.
Reporting the injury
Report your injury to your employer as soon as possible. Alabama law requires employees to notify their employer within five days of the injury to avoid delays in benefits. Provide detailed information about what happened, including the date, time, and location of the incident.
Seeking medical treatment
Your employer or their workers’ compensation insurance provider will usually direct you to an authorized medical provider. Follow the treatment plan and attend all appointments. Keeping records of your medical visits and expenses helps ensure proper documentation for your claim.
Filing a workers’ compensation claim
After reporting your injury, your employer should file a workers’ compensation claim with their insurance carrier. Confirm that this step is completed. The insurance company will review the claim to determine your eligibility for benefits.
Receiving benefits
If approved, you may receive benefits that cover medical expenses, rehabilitation, and a portion of lost wages. In Alabama, wage replacement benefits typically amount to two-thirds of your average weekly earnings, subject to state limits. Benefits continue until you recover or reach maximum medical improvement.
Returning to work
When cleared by your doctor, you can return to work. If your injury prevents you from resuming your previous role, your employer may offer a modified job that accommodates your restrictions.
Stay informed and proactive
The workers’ compensation process ensures employees get the support they need after a workplace injury. Understanding your rights and responsibilities makes the process smoother and less stressful.