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Alabama Workers Compensation Questions What if my injury was my fault

Alabama Workers Compensation Questions What if my injury was my fault

Alabama Workers Compensation Questions: What if my injury was my fault?

It sounds noble when I speak with an injured worker who, due to some inadvertent fault of their own, is hurt at work, but does not think it is right to put the cost on his employer's workers compensation insurance. They think that somehow they should bear the cost themselves, but doing so could end up leaving them owing thousands of dollars.

First, what are you going to do? Put it on your private health insurance? This is fraud. Your health insurance provider is not legally obligated to pay for work injuries, and trying to force them to pay your medical expenses is just not right. Furthermore, if your insurance carrier later finds out that they have been paying for a work injury, they will withdraw the money they have paid your doctors and you will be responsible for these bills. Can you afford to pay for a surgery out of pocket, especially when you have only been receiving 2/3rd of your average weekly wage while off work due to a job injury?

Secondly, workers compensation is set up to help the injured worker get the medical treatment they need so they can get back to work and provide for their family. Unless you have a lot of money set aside, a serious injury can leave you unable to receive the treatment you need and unable to provide for your family if you refuse to seek your workers compensation benefits. At this point, all you are left with is the possibility of applying for Social Security Disability benefits and Medicare, but this would only pass the responsibility that your employer legally has to the American taxpayer.

Thirdly, workers compensation laws are in place not only to help injured workers get the treatment they need so they can get back to work; it is also a defense for employers. Absent your employer almost intentionally trying to hurt you, injured workers cannot sue their employers for negligence if their employer's negligence leads to their job injury. If your employer left your work conditions in a state of disrepair and this led to your injury, you can't sue them for punitive damages or seek pain and suffering. You are limited to workers compensation benefits, and this saves businesses serious money as Alabama has some of the lowest workers compensation benefits in the nation. Filing for workers compensation benefits is not abusing your employer.

Lastly, you should seek workers compensation benefits because it is the law

If you or a loved one suffered a workplace injury and you have questions about your right to Alabama Workers' Compensation benefits, don't hesitate to contact and talk to one of the experienced Alabama Workers Compensation Attorneys at Powell and Denny today.

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Alabama Workers Compensation Questions What if my injury was my fault

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