Savvy workers in Alabama are probably familiar with the concept of workers’ compensation. This is the state-mandated, no-fault insurance program that requires employers over a certain size to provide insurance coverage benefits in the event of a job-related injury.
Benefits that the law requires include paying for any emergency or longer-term medical treatment that might be prompted by an injury and weekly wage replacement compensation. The level of that compensation can vary depending on the circumstances of your case. Of course, to obtain the full measure of benefits presumes you know what they should be. Consulting with a skilled attorney is the way to be certain of your position.
What if I’m denied?
The reality of workers’ compensation is that merely filing a claim doesn’t ensure acceptance of a claim. Insurance companies, driven by the profit motive, look for ways to limit their costs. They might seek to resolve a matter by offering a lump sum settlement. Often the amount is less than what is needed, but how is the injured worker to know that?
On occasion, claims are denied for one of an array of reasons, such as:
- Failure to report the injury to the employer in a timely manner.
- Failure to file the claim in the appropriate amount of time.
- The employer disputes the claim as work-related.
- Evidence suggests the injury occurred outside of work.
- The condition isn’t on the list of compensable disabilities.
- No medical treatmentwas delivered.
If you face a denied claim for your work injury, you need to contact an attorney right away for a free case evaluation. Even the state Department of Labor recommends such action.