Most people know that different jobs involve different amounts of risk. For example, construction workers often face a higher risk of sustaining a severe work injury than office workers.
Workplace injuries are a major issue with more than 30,000 Alabama employees suffering workplace injuries each year. National Safety Council statistics show, on average, 2.5 out of every 100 full-time employees sustain injuries. Across the country, a worker is injured every seven seconds, amounting to 4.6 million workplace injuries each year.
People injured on the job sometimes need to act to get the compensation they deserve, including coverage for medical costs and lost earnings while they recover. It’s a mistake for an injured worker to believe they are automatically covered just because their employer provides access to workers’ compensation insurance.
Compensation for injury as a concept has been around for thousands of years. Historians trace the root of the system back to Mesopotamia more than 2,000 years before the common era. Back then, the loss of an eye entitled the victim to one half of a mina of silver from the person who caused the damage.
A lot has changed in the past 10 years when it comes to employment models. The standard of reporting to a company site to fulfill the work has changed dramatically. According to one analysis of U.S. Census data, the population of regular business employees that works some time from home has increased 140 percent since 2005.
Suffering an injury on the job is not like being injured on your own time. Alabama's workers' compensation law entitles employees hurt at work to compensation under a no-fault system. Medical treatment for that injury, whatever it might entail -- doctor or hospital visits, prescriptions, medical equipment – is covered by workers' compensation insurance, not private coverage. Cash benefits to make up for lost wages can be part of the equation as well.
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.