Worker's compensation is a very useful thing, helping to ensure that workers are able to continue paying their bills when they are incapacitated due to work related incidents. In addition, the death benefits provided can help to ensure that loved ones are not swallowed by debt by the death of the worker. This can be a definite help during those troubled times.
The Worker's Compensation is compulsory in Alabama. All employers of more than five workers in Alabama are required to provide their employees with worker's compensation insurance. The worker's compensation insurance itself may be provided through various private insurance carriers, or employers may provide the insurance themselves.
Worker's Compensation must provide full medical benefits to the employees entitled to the worker's compensation benefits. There can be no time or monetary limits to the worker's compensation. The employer gets to select the physician who will provide the care.
A percentage of the worker's wage, subject to a weekly maximum payment, is used for payments for temporary total disability. These payments continue for the duration of the disability
Permanent total disability payments also are made at a percentage of the worker's wage, with a weekly maximum payment amount. These payments also continue for the entire duration of the disability.
A percentage of the worker's wage is used for payments for permanent partial disability, limited by a weekly maximum payment. These payments continue for up to 300 weeks.
There are also benefits which may be available for serious disfigurements caused in the workplace that materially affects the employability of the worker. Physical rehabilitation benefits are available, as well as vocational rehabilitation. Occupational hearing loss may also be compensable, provided the filing deadlines and certain constraints are met.
No one likes to think about death, but the death benefits provided by worker's compensation are a definite advantage. When used alone or in conjunction with other life insurance, the death benefits provided by worker's compensation can be a serious help to families after the loss of a family member.
Death benefits are payable to the worker's surviving spouse or spouse and children. The amount paid is based on a percentage of the employee's wages, while this is subject to a maximum limit. A burial allowance is also available in order to help the employee's surviving family members with burial expenses.