Birmingham Workers' Compensation

Your Complete Guide to Birmingham, AL Workers' Compensation

(Find the right workers' compensation insurance policy for you)

Birmingham Alabama Workers Compensation

As the most populous city in Alabama, Birmingham is the home for most of the companies in the state. From financial corporations to manufacturing industries, it is important to have workers’ compensation insurance coverage to protect you and your employees.

A local independent insurance agent will work with employers in Birmingham to get the most affordable workers’ compensation insurance policy to cover your business. Find an independent agent near you to get started.

Is Workers' Compensation Insurance Required in Birmingham, Alabama?

Employers in Birmingham are required by law to provide workers’ compensation insurance if they employ at least five people. This applies to full-time and part-time employees.

However, there are a few exceptions in Birmingham. Businesses are not required to provide workers' compensation insurance to casual workers, farm laborers, domestic workers, and communities with a population of less than 2,000 people. This becomes up to the employer to include them voluntarily.

If you don’t carry workers’ compensation coverage for your employees, you may be ordered to close your business until you comply, fined $1000 per employee for each day in which you failed to provide the required business insurance, and even given jail time. If an employee is injured on the job and they are not covered, they could file a lawsuit against the employer for their medical expenses.

How Much Does Workers' Compensation Cost in Birmingham, Alabama?

The cost of your workers’ compensation insurance in Birmingham will depend on the types of jobs your employees do. The National Council for Compensation Insurance (NCCI) assigns classification codes for each occupation. If the employee is more likely to suffer a threatening injury, the cost for coverage will be greater.

Insurance providers are required to file their rates using the state’s assigned costs as guidelines. Claims history, worker safety records, and incentives are factors that can result in discounts up to 25% for workers’ comp insurance in Birmingham.

Birmingham, AL, Workers' Compensation Covers the Cost of Medical Treatment

If an employee in Birmingham has a work-related injury or illness, workers’ compensation insurance can help provide coverage so you won’t be stuck with a huge financial burden. It also provides benefits for occupational illnesses (illnesses that arise due to the conditions in the workplace). Additional benefits for Birmingham workers’ compensation include:

  • Vocational rehabilitation: If you are unable to return to your normal job, you can receive assistance in finding new employment.
  • Medical benefits: As long as your treatment is certified, you will be covered for all medical treatment due to the work-related injury.
  • Mileage reimbursement: This can cover all travel to and from medical appointments.
  • Missed work: Employees will be financially covered for the time missed at work due to the injury.
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Workers’ Compensation Insurance Provides Disability Coverage for Birmingham, AL, Employees

If a worker misses more than three consecutive days due to a job-related injury, workers’ compensation insurance will provide disability benefits to help with the financial burden.

If you fit into temporary total disability relief, you will be provided two-thirds of your average weekly wage. Until you have reached complete improvement and can return to work, these benefits are paid. If you miss more than 21 consecutive days due to a job-related injury, you will be paid the first three days of disability.

Some employees may still be able to work but are earning less due to a job-related injury. In this case, you would receive benefits for temporary partial disability. You are compensated with two-thirds of the difference in your earnings.

There is a cap on the amount that can be collected. It is updated annually by the Alabama Workers’ Compensation Commission. As of 2019, the maximum weekly benefit is $892 per week.

Compensation for Workplace Fatalities in Birmingham, AL

Workplace accidents may sometimes result in a fatal injury. In this unfortunate event, workers’ compensation insurance can help surviving dependents and family members with the financial hardships.

The employee’s family will receive death benefits that includes up to two-thirds of the worker's average weekly wage. The family members will also receive up to $6,500 to help with funeral expenses and burial costs.

What Can Cause a Workers’ Compensation Claim to Be Denied?

Workers’ compensation claims are sometimes denied. This may occur if you don’t notify your supervisor of the incident in time, if the injuries were self-inflicted, or if there is not enough proof that the injury happened at work.

However, if you feel that your workers’ compensation claim was unjustly denied or you are unhappy with the settlement, you can contact the Alabama Bureau of Worker’s Compensation to relook at the settlement.

How Can You Find the Best Workers' Compensation Insurance Policy in Birmingham?

A local independent insurance agent can help you find the right workers’ compensation insurance policy for your Birmingham employees. Independent agents work with multiple insurance companies to compare prices and find a provider who specializes in covering businesses like yours.

Use independent agents to find the best insurance plan in Birmingham. You specify what you’re looking for and the network will recommend the best local agents for you. We do not sell to third parties, Any information you provide will be only sent to the agents you pick.

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