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Alabama Workers’ Compensation Law Reference Chart for Adjusters, Produced by AI

14 Aug, 2025 Frank Ferreri

                               
CategoryDetails
Governing LawAlabama Workers’ Compensation Act (§25-5-1 et seq., Code of Alabama 1975)
Administering AgencyAlabama Department of Labor – Workers’ Compensation Division
Waiting Period3 days; compensation begins on the 4th day. If disability exceeds 21 days, compensation is retroactive to day 1
TTD (Temporary Total Disability)66 2/3% of Average Weekly Wage (AWW), subject to max/min rates. Paid until MMI or return to work
TPD (Temporary Partial Disability)66 2/3% of the difference between pre- and post-injury wages. Payable for up to 300 weeks
PPD (Permanent Partial Disability)- Scheduled Injuries: Based on statutory schedule
- Body as a Whole (BAW): 66 2/3% of AWW for up to 300 weeks, capped at $220/week
PTD (Permanent Total Disability)66 2/3% of AWW for life, subject to max/min rates
Death Benefits- No dependents: $7,500 to estate
- One dependent: 50% of AWW x 500 weeks
- Two or more dependents: 66 2/3% of AWW x 500 weeks
- Burial: $3,000
Medical BenefitsLifetime coverage for “reasonably necessary” treatment. Employer selects physician. Pharmacy choice is employee’s
Panel of PhysiciansIf dissatisfied with initial doctor, employee may request a panel of 4 physicians. A second panel may be requested if surgery is recommended
Notice Requirements- Must notify employer within 90 days
- Benefits delayed if not reported within 5 days
- Oral notice is acceptable
Statute of Limitations2 years from date of injury or last compensation payment. Medical payments do not toll the statute
Defenses Available to Employers- Pre-existing condition (§25-5-58)
- Misrepresentation (§25-5-51)
- Refusal to use safety device
Forms & FilingFirst Report of Injury (WC Form 2) must be filed within 15 days if time lost exceeds 3 days. EDI filing is now standard
Vocational RehabilitationAvailable for injured workers unable to return to prior employment
Ombudsman ProgramFree assistance for injured workers, employers, and adjusters navigating WC claims

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About The Author

  • Frank Ferreri

    Frank Ferreri, M.A., J.D. covers workers' compensation legal issues. He has published books, articles, and other material on multiple areas of employment, insurance, and disability law. Frank received his master's degree from the University of South Florida and juris doctor from the University of Florida Levin College of Law. Frank encourages everyone to consider helping out the Kind Souls Foundation and Kids' Chance of America.

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