From consulting firms to manufacturing plants, Decatur is home to a wide scope of businesses in different sizes and types. You never know when a work-related accident will happen, that is why it is important to make sure that you are covered with the right workers’ compensation insurance policy for you.
A local independent insurance agent will work with employers in Decatur to get an affordable workers’ compensation insurance policy to protect your business. Find an independent agent near you to get started.
Is Workers' Compensation Insurance Required in Decatur, Alabama?
Decatur employees are required by law to provide workers’ compensation insurance if they employ at least five people. This applies to all full-time and part-time employees.
However, there are a few exceptions in Decatur. 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. It then is up to the employer to voluntarily cover them.
If you violate this law in Decatur, you may be ordered to temporarily close down your business until you comply, fined up to $1,000 per employee for each day in which you failed to provide the required business insurance, and it could even amount to jail time. If an employee has a work-related injury and they are not covered, they could potentially file a lawsuit against the employer for their medical expenses.
How Much Does Workers' Compensation Cost in Decatur, Alabama?
The cost of your workers’ compensation insurance in Decatur 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 in Decatur, the rate will be higher.
Insurance providers are required to file their rates using the state's assigned costs as guidelines in Decatur. Claims history, worker safety records, and incentives are factors that can result in discounts up to 25% for workers' compensation insurance in Decatur.
Decatur, AL, Workers' Compensation Covers the Cost of Medical Treatment
In Decatur, if an employee has a work-related illness or injury, workers’ compensation insurance can help provide coverage so you will be protected from a huge financial burden. It also provides benefits for occupation illnesses Additional benefits for employees in Decatur are:
- 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 Decatur, AL, Employees
If a worker in Decatur 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 in Decatur. Until you have reached complete recovery and can return to work, you will receive these benefits. If you miss more than 21 consecutive days due to the 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 Decatur. In this case, you would receive benefits from temporary partial disability. You are compensated with two-thirds of the difference in your earnings.
In Decatur there is a cap on the amount that can be collected weekly. As of 2019, the maximum weekly benefit is $892 per week. This amount is updated annually by the Alabama Workers’ Compensation Commission.
Compensation for Workplace Fatalities in Decatur, AL
Unfortunately, sometimes a job-related accident may result in a fatal injury. In this case, workers’ compensation insurance can help surviving dependents and family members with the financial hardships.
The employee’s family will receive death benefits that include up to two-thirds of the average weekly wage. The family members will also receive up to $6,500 to help with the funeral costs and burial expenses.
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 was not enough evidence.
However, if you feel that your workers’ compensation claim was unjustly denied or you are unhappy with the settlement in Decatur, you can contact the Alabama Bureau of Workers’ Compensation to relook at the settlement.
How Can You Find the Best Workers' Compensation Insurance Policy in Decatur, AL?
A local independent insurance agent can help you find the right workers’ compensation insurance policy for your Decatur 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 Decatur. 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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