Workers’ compensation: Things to consider when filing a claim

For many Alabama residents, full-time employment is not only about the salary, but also about the numerous benefits that come with a full-time job. Most of the time, these benefits include paid time off, health insurance and workers’ compensation. Workers’ compensation is a form of insurance that provides medical coverage and wage replacement for employees who are forced to take time off due to an occupational illness or injury. Here are a few things to do in order to obtain and utilize workers’ compensation benefits.

First and foremost, those who suffer an on-the-job injury must go see a doctor, even if his or her company has an on-staff nurse. This is crucial, because companies usually require proof of treatment of injury for workers’ compensation claims. It is also a requirement to meet the deadlines for filing a claim. Deadlines can vary by state, but missing the established deadline for filing a workers’ compensation claim will guarantee a rejection.

Succeeding with a workers’ compensation claim also means showing that an illness or injury is work-related. Always file an incident report with an employer, which will ensure that an investigation is done. It is also important to keep all paperwork received from doctors, therapists and insurance providers while recovering. Most employers will require this documentation upon returning to work.

Although filing for workers’ compensation is a fairly common thing, the process is rarely straightforward. Those in Alabama who suffer a work-related injury or illness and have questions about workers’ compensation benefits should consult a legal representative. An experienced attorney can provide answers and help individuals navigate this confusing process.