The workers’ compensation system provides vital wage replacement and health care benefits to employees who have been injured on the job. However, the claims process can be long and confusing, and many workers don’t fully understand their rights. If you’ve been injured or developed a medical condition as a result of your job duties, here's a guide on the basics of workers’ comp benefits in Alabama.

What Injured Employees Should Know About Workers’ Compensation

1. It's a No-Fault System

Unlike personal injury claims, which require you to prove negligence, workers’ compensation is a no-fault system. This means you can collect benefits even if your own actions contributed to your injuries. However, claims may be denied if the worker was under the influence of drugs or alcohol or being extremely reckless.

2. It Covers All Work-Related Injuries

Many people assume that workers’ compensation only covers injuries that actually occur at your job site. However, the insurance actually extends to any accidents related to your job duties, even if you’re at another location. If you’re in a car accident while on a business trip or trip and fall at a client’s office, you’re still eligible to file a claim.

3. Medical Conditions Are Also Covered

Accidents are the most obvious causes of work-related injuries, but employees may also collect benefits for medical conditions related to their working conditions. For instance, office workers may develop carpal tunnel syndrome, and warehouse staff often experience debilitating back problems.

4. Employers Must Be Notified Promptly

Alabama requires injured workers to notify their employers within five days of an injury or a diagnosis. The claims process must be initiated within 90 days. Missing either of these deadlines can result in a rejected claim, even if your injuries are clearly work-related.

5. Employees Have the Right to a Second Medical Opinion

In Alabama, your employer chooses the doctor who will provide your evaluation and treatment. However, if you’re unsatisfied with their service or diagnosis, you may select another provider from a list of options. Exercising your right to a second opinion can help ensure you get the benefits you deserve.

If you’ve been injured due to your working conditions, you deserve effective representation from lawyers who care. The workers’ compensation attorneys at Carey & Hamner, P.C. have represented clients throughout Dothan, Enterprise, Ozark and Troy, and they are committed to helping you get the representation you deserve. Visit their website for more on their workers’ comp services, follow their Facebook for more legal tips, or call (855) 435-4797 to schedule a consultation today.