What Do Workers’ Comp Benefits Cover?
Workers’ compensation benefits in Alabama may account for a wide range of losses, depending on how severe the injuries were and what kind of care is required for the injured person in the future. These benefits typically fall under three categories: medical, disability, and death benefits.
Medical Benefits
Workers’ compensation insurance provides coverage for medical expenses due to a workplace injury or illness. This coverage may include surgeries, emergency room visits, medications, physical or occupational therapy, and more.
Disability Benefits
Some workplace injuries can lead to temporary or permanent disability. In Alabama workers’ comp claims, different disability benefits are offered: temporary total disability (TTD) has no time limit, temporary partial disability (TPD) is capped at 300 weeks, permanent partial disability (PPD) is limited to 300 weeks, and permanent total disability (PTD) has no time restriction. These benefits encompass medical costs and provide wage compensation based on disability level.
Vocational Rehabilitation
Workers who can no longer perform their previous jobs due to a work-related injury or illness may be eligible for vocational rehabilitation. This program helps injured employees gain new skills or find alternative employment that accommodates their physical limitations. Services often include:
- Career counseling and job placement assistance
- Skills assessment and retraining programs
- On-the-job training opportunities
- Assistance with obtaining necessary certifications or licenses
Vocational rehabilitation ensures injured workers can continue to earn a living despite physical challenges, helping them transition smoothly into new roles or industries.
Death Benefits
In the case of a workplace injury or illness that results in death, the family may be entitled to a funeral expense benefit and a percentage of the deceased workers’ wages. Death benefits in a workers’ comp claim may not exceed 500 weeks in Alabama.
