Huntsville Workers Compensation

Your Complete Guide to Huntsville, AL Workers' Compensation

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

Huntsville, Alabama Workers Compensation

With a thriving economy, Hunstville is home to a variety of businesses of varying sizes. Unfortunately, you never know when an accident will happen. That's why it's important to make sure you have workers’ compensation insurance coverage to shield you and your employees from unforeseen financial burdens.

A local independent insurance agent will work with you in Huntsville 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 Huntsville, Alabama?

Employers in Hunstville 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. Businesses are not required to provide workers compensation insurance to casual workers, farm laborers, or domestic workers, or in communities with a population less than 2,000 people. It's then up to the employer to include them voluntarily in the coverage.

If you violate this law, you may be ordered to close your business until you comply, fined $1,000 per employee for each day that you failed to provide the required business insurance, and even be given jail time. If an employee is injured on the job and they are not covered, they could file a lawsuit against you for their medical expenses.

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

The cost of your workers’ compensation insurance in Huntsville 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 be injured, the rate will be higher.

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 of up to 25% for workers’ compensation insurance in Hunstville.

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

If an employee in Hunstville has a work-related injury or illness, workers’ compensation insurance can help provide coverage so they won’t be stuck with a huge financial burden. It also provides benefits for occupational illnesses. Additional benefits for Hunstville employees are:

  • Vocational rehabilitation: If the employee is unable to return to their normal job, they can receive assistance in finding new employment.
  • Medical benefits: As long as the treatment is certified, they 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

Workers’ Compensation Insurance Provides Disability Coverage for Huntsville, AL Employees

If an employee misses more than 3 consecutive days due to a job-related injury, workers’ compensation insurance will provide disability benefits to help with the financial burden.

If they are eligible for temporary total disability relief, they will be provided with two-thirds of their average weekly wage. Until they have reached complete recovery and can return to work, they will receive these benefits. If they miss more than 21 days consecutively due to the job-related injury, they will be paid the first 3 days of disability.

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

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 Huntsville, AL

Workplace accidents may 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 include up to two-thirds of the 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 the employee didn't notify their supervisor of the incident in time, if the injuries were self-inflicted, or if there was not enough evidence that the injury happened at work.

However, if an employee feels that their workers’ compensation claim was unjustly denied or they are unhappy with the settlement, they can contact the Alabama Bureau of Workers’ compensation to request a review of the settlement.

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

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

Use independent agents to find the best insurance plan in Hunstville. You specify what you’re looking for, and the network will recommend the best local agents for you. Any information you provide will be sent only to the agents you pick.

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