Employers that staff fewer than five employees are not required to carry workers’ compensation insurance.
Workers’ compensation insurance can be provided via a private carrier or the employers self insure themselves.
Employees entitled to workers’ compensation are also entitled to full medical benefits for that injury.
Employers have the power to select the doctors that employees visit.
Payments for partial or total disability are based on a percentage of the employee’s salary and are subject to weekly maximums.
Subject to court approval, attorney fees are limited to 15 percent of the workers’ compensation settlement.
Independent contractors are typically NOT considered to be employees of a business and, therefore, are generally not covered by workers’ compensation insurance.
As stipulated in Alabama’s workers’ compensation laws, you will be entitled to take off work by using “temporary total disability time.” You will not have to use your personal vacation time.
In Alabama, worker’s compensation issues are handled through the Alabama Department of Industrial Relations Worker’s Compensation Division.
Pre-existing injuries, willful misconduct,intoxication and drug use, willful failure or refusal to use safety appliances, off-duty injuries and a number of other issues.