Frequently Asked Questions About Alaska Workers’ Compensation
Workers’ compensation can be a confusing and daunting system. Many workers have little experience with work injury benefits, and it’s common to have many questions. Find the answers and information you’re looking for in these FAQs prepared by experienced injury attorney Ben Crittenden.
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What does Alaska workers’ compensation cover?
Most Alaskans in the workforce have probably heard mention of workers’ compensation, but many might be unfamiliar with exactly what that means. Workers’ compensation is a benefits system that provides medical care and wage replacement to employees who have suffered an illness or injury on the job. Regardless of who was at fault for the injury, workers can apply for and obtain these benefits to help them recover as fully as possible.
The Benefits Alaska Workers’ Compensation Can Provide
When an employee is injured in the course of his work—in a car accident traveling for the job, in a fall at a job site, or in any other of the many common work-related accidents that occur every year—he may need time away from work to seek medical treatment and recover. While necessary, this can create a significant financial strain for the worker and his family. Workers’ compensation exists to help ease this burden and get employees back to their normal lives as much as is possible. Workers’ compensation provides compensation for:
- Medical expenses related to the work injury. These expenses can include hospital stays, surgery, medication, rehabilitation, and more.
- Wage replacement for income that would be lost when the employee is not physically able to work during his recovery or on an ongoing basis if the employee suffers a permanent disability.
Types of Workers’ Compensation Benefits
Alaska’s workers’ compensation system provides a number of different types of benefits to address the wide range of needs of injured workers. These benefits include:
- Temporary total disability (TTD). Workers who are unable to work at all during their recovery from a work injury may collect TTD. These workers are expected to make a complete recovery and return to work.
- Temporary partial disability (TPD). Workers who can return to work directly after an injury but cannot perform all their normal duties until they are fully recovered are eligible for TPD. These workers are also expected to recover completely.
- Permanent partial impairment (PPI). For workers who have suffered a permanent injury such as an amputation or loss of use of a body part, PPI is paid in addition to temporary disability benefits.
- Permanent total disability (PTD) Workers who can “no longer regularly and continuously work” because of their job-related injury, may qualify for PTD benefits.
- Death benefits. Surviving dependent family members of a worker who dies as a result of his work-related illness or injury may collect death benefits.
An Attorney Can Help If You’ve Been Injured on the Job
If you or someone you love has suffered injuries on the job, you may be eligible for workers’ compensation benefits. The system can be confusing, however, and it does happen that claims can be discouraged by employers or even denied without cause. Anchorage-based attorney Ben Crittenden helps Alaska workers understand their rights and obtain the compensation they need to recover. Ben provides experienced guidance to injured workers and their families to ensure their success moving forward. Call Ben’s office today or take a moment to fill out the contact form on this page to learn more about how he may be able to help.
What kinds of injuries cause Alaska truck drivers to seek workers’ compensation benefits?
A 2017 study by the Insurance Information Institute (III) reported that heavy truck and tractor-trailer drivers reported more than 47,000 injuries that year, ranking it second on the list of occupations with the most injuries.
Injury Risks for Alaska Truck Drivers
While driving a truck may seem fairly straightforward, the occupation does face a variety of injury risks. The main dangers include:
- Repetition. Sitting for so many hours a day in the same position can be hard on the body. The constant vibration of the moving truck and the lack of movement can lead to serious back and neck problems. In addition, many drivers are responsible for some amount of loading and unloading cargo. Repeated bending, pulling, and lifting can cause muscle strain.
- Vehicle crashes. Vehicle crashes are a leading cause of death and injury in the U.S., and even professional drivers are not immune to accidents. The National Highway Traffic Safety Administration (NHTSA) reported 170,000 injury crashes involving large trucks in 2017. Given the size and weight of a truck, these accidents can be serious, with drivers experiencing a wide range of injuries from lacerations and broken bones to traumatic brain injury and paralysis.
- Loading and unloading. In addition to repetition injuries sustained loading and unloading a truck, there are other risks as well. Shifting cargo can fall during the process, striking the driver. Slips and falls are also common causes of injury at the loading docks.
When a Work Injury Keeps Truck Drivers Off the Road
Truck drivers are required to do a lot more than simply sit in a cab and drive. They are also required to do tasks such as loading, making repairs, unloading, and more. When an injury is sustained, it can have a significant effect on a driver’s ability to do his job properly and safely.
- Muscle strains or other muscle conditions can prevent a driver from being able to sit upright, handle the bounces and jerks of a truck ride, and load/unload cargo.
- Carpal tunnel can make it difficult to steer, shift, and operate vehicle systems promptly and effectively.
- Broken bones from falls or crashes may make all of the tasks associated with driving and cargo work difficult or impossible.
- Neck injuries can limit a driver’s ability to view his surroundings and identify changing road conditions as quickly as is necessary.
When drivers experience these and other injuries, performing their jobs may not be possible, and it is likely necessary to seek medical care. This is where Alaska’s workers’ compensation system can help. This benefits system exists to provide medical care and compensation to employees who suffer injuries in the course of work. It provides the necessary medical treatment and financial support to help injured drivers make as complete a recovery as quickly as possible.
An Experienced Alaska Workers’ Compensation Attorney May Be Able to Help
While the workers’ compensation board is not a court of law, the decisions that are made are binding and can have a significant impact on the future of the injured workers and his family. When an employee is injured on the job, he needs and deserves the chance at as complete a recovery as possible, and an experienced workers’ compensation attorney can help workers reach this goal. Anchorage-based attorney Ben Crittenden has helped other workers secure the care and compensation they needed. Working with clients and their families, Ben:
- Explains workers’ rights
- Prepares paperwork and locates documents
- Helps file for benefits
- Negotiates with insurance companies
- Represents workers’ interests at hearings
- Pursues personal injury claims when necessary
If you or someone you love has suffered injuries on the job, you may be eligible for Alaska workers’ compensation benefits. Call Ben today or take a moment to fill out the contact form on this page to get in touch directly with Ben and learn more about how he may be able to help.
What is the Alaska Fishermen’s Fund?
For most workers employed in the state of Alaska and around the country, a job-related injury would result in a workers’ compensation claim to obtain medical care and compensation to aid in the employee’s recovery. However, circumstances for seamen are a little different. Federal law dictates that fishermen receive work injury benefits under general maritime law and the Jones Act. Alaska, with its robust fishing industry, is the only state that offers additional benefits for injured seamen with the Fishermen’s Fund.
What Is the Alaska Fishermen’s Fund?
The fishermen’s fund “provides for the treatment and care of Alaska licensed commercial fishermen who have been injured while fishing on shore or off shore in Alaska,” according to the Alaska Department of Labor and Workforce Development. The fund is considered a “payer of last resort,” which means benefits are provided only after other options (such as private insurance, vessel insurance, or government programs) are exhausted.
These benefits are similar to those provided by workers’ compensation, but federal law prohibits injured seamen from utilizing the typical workers’ compensation system. Rather, they may pursue care and compensation under the Jones Act. In Alaska, the Fishermen’s Fund uses revenue collected from state fishing licenses and permits to finance medical benefits for injured seamen.
Who Qualifies for Fishermen’s Fund Benefits?
Eligibility for benefits from the Fishermen’s Fund is very specific. To receive aid from the fund, an injured seaman must:
- Have an injury directly related to his work as a commercial fisherman
- Hold a valid commercial fishing license or limited entry permit dated before the time of injury
- Have been injured in Alaskan waters or onshore in Alaska
- Receive medical treatment within 60 days of injury
- Apply for Fishermen’s Fund aid within one year of the injury
- Document each treatment through a medical note and submit the note to the state
The Benefits of the Fishermen’s Fund and How to Obtain Them
The Fishermen’s Fund can provide compensation for the costs related to the medical care and treatment of the fishing injury. These costs can include:
- Doctor visits
- Chiropractic care
- Transportation to and from provider appointments
Injured seamen can file for aid from the Fishermen’s Fund by submitting an application and a number of supporting documents. The criteria for benefits are strictly followed by the state; any error/omission in applying or providing the proper paperwork would likely result in a denial of benefits. An experienced attorney can help injured seamen understand their rights and responsibilities, determine the proper channels to seek benefits, and ensure that the request is filed completely and on time.
Contact an Experienced Alaska Work Injury Attorney
Commercial fishing has been named by the Centers for Disease Control and Prevention (CDC) as one of the most dangerous occupations in the United States. Maritime injuries can be severe, and a lack of proper medical care can affect workers and their families for years to come. If you or someone you love has suffered injuries while working as a fisherman, you may be eligible to receive benefits from the state’s Fishermen’s Fund, and an experienced lawyer can help you fully understand your options. Attorney Ben Crittenden has helped many Alaska seamen and their families after a job-related injury. Call Ben today in his Anchorage office or take a moment to fill out the contact form on this page. He can learn more about your situation and help you decide how to move forward most effectively.
How long does it take to resolve a workers’ compensation claim in Alaska?
This is a natural question for injured workers. When you’ve suffered injuries on the job, you’re missing work, and the medical bills start showing up in your mailbox, you want to know how quickly you can receive benefits. How long will your workers’ compensation claim take? It’s impossible to say exactly, but there are a number of factors that can give you an indication of how soon your claim can be resolved.
Factors That Affect the Timeline of an Alaska Work Injury Claim
Simple, straightforward claims can be resolved quickly. Alaska law states that the employer or insurer has 14 days from notice of the injury to make the first payment. It is important for injured workers to notify employers of any injury as quickly as possible so that they may receive care and compensation benefits right away.
However, other cases may take more time and require more work. Those scenarios could include:
- The employer or insurer has denied your claim.
- You are considering a settlement.
- Your employer does not have the required workers’ compensation insurance.
When Your Alaska Work Injury Claim Is Denied
If your claim has been unfairly denied, it is possible to appeal that decision to the state’s board of workers’ compensation. The employer or its insurance company has three weeks to respond to an appeal. If they maintain their denial, the matter would have to be taken to a hearing. Preparations for a hearing could take time, depending on the severity of injuries and the availability of the board.
Settling Your Workers’ Compensation Claim
Settling a workers’ compensation claim is complicated, and the decisions should not be taken lightly. Once a settlement agreement is reached, it is extremely difficult to revisit the settlement to make any changes. A settlement may take time due to:
- Recovery. In Alaska, a settlement can only be reached when the injured worker has reached medical stability. This means the injuries have healed as much as care providers expect. The nature of the injuries will dictate this timeline.
- Investigation. An employer or its insurance company, as well as the injured worker’s lawyer, will have to conduct an investigation. This investigation will cover a wide range of information, from the initial accident itself to the future medical prognosis.
- Negotiation. There will be some amount of back and forth with an employer or its insurance company. These businesses want to protect their own financial interest, and they will do what they can to save themselves as much money as possible.
If Your Employer Doesn’t Have Insurance and Isn’t Self-Insured
Alaska law states that every employer with more than one employee must either purchase private workers’ compensation insurance or self-insure, with very limited exceptions. Even if an employer has violated this law, injured workers can still obtain care and compensation through what is known as the Workers’ Compensation Benefits Guaranty Fund. To obtain benefits through the fund, an injured worker must file a claim.
Obtaining the Care and Compensation Injured Workers Need
It may be difficult to know from the start just how long a work injury claim will take. However, regardless of the timeline, the medical care and compensation provided by these claims can make a world of difference for injured workers and their families. An injury that keeps a worker off the job can have significant effects on his family, his lifestyle, and his future. Don’t take chances if you’ve suffered an injury on the job. Even if you aren’t sure if you are eligible for benefits or how long the process may take, contact an experienced workers’ compensation attorney to learn more about your rights.
At the Law Office of Ben Crittenden, Anchorage-based attorney Ben Crittenden has helped many injured workers and their families obtain the care and compensation they both needed and deserved. He can answer your questions and help you understand what to expect from the Alaska workers’ compensation system. He offers free, no-obligation consultations to help injured workers get all the information they need to move forward as successfully as possible. Call his office today or take a moment to fill out the contact form on this page to get in touch directly with Ben.
How are workers’ compensation attorneys paid in Alaska?
Workers often have the same main concerns after some condition at work has left them injured or ill. First, how can they recover as completely and quickly as possible? And second, how will they pay their bills and maintain their financial stability during recovery? These are important and valid concerns, and injured workers and their families may need help finding the right answers. It can be difficult, however, to know where to find these answers, and too often, injured workers fail to seek legal advice because they are worried about the cost of an experienced and effective lawyer. A good attorney can be affordable, though. Here we explain how a workers’ compensation attorney is paid.
A Fee Agreement That Protects Injured Workers
Most workers’ compensation attorneys, including Anchorage attorney Ben Crittenden, use an agreement known as a contingent fee. A contingent fee means clients only pay if the case is successful. If the attorney does not get compensation for the injured worker, the worker owes the attorney nothing. If the case is successful, the attorney is paid directly from the award provided by the insurance company. The injured worker does not have to reach into his own pocket to provide a retainer nor or to pay for other work the attorney does on his behalf leading up to the decision by the workers’ compensation board. At times, there may be nominal fees, such as filing fees, incurred by the worker as the claim progresses.
While some attorneys charge a percentage of the award, attorney Ben Crittenden charges on an hourly basis. If the claim is successful, Ben will bill his client only for the time he spent on the claim. All details of billing and payment will be clearly explained by Ben when you meet to discuss your case.
The Cost of Not Hiring an Alaska Workers’ Compensation Attorney
While the thought of paying an attorney may be unappealing, the cost of NOT hiring an experienced lawyer may be even greater. Workers’ compensation benefits provide vital medical care and compensation that injured workers and their families rely on during a difficult time. Your employer and their insurance company will likely attempt to reduce their own liability or deny your benefits altogether. If you have been injured or fallen ill on the job, you need these benefits. Without an experienced advocate in your corner, you may miss out on the care and compensation you deserve.
Additionally, while this is not a court of law, the decisions of the state workers’ compensation board are binding, and it can be incredibly difficult to change their decision once it is handed down. Get the help you need right from the start. Call Anchorage-based attorney Ben Crittenden or take a moment to fill out the contact form on this page today. Schedule a free, no-obligation consultation and learn more about your rights.
Am I eligible for workers’ compensation benefits if I was responsible for the accident that caused my injury?
Before the adoption of the workers’ compensation system, work injuries could be a nightmare for both employees and employers. While workers struggled to get the medical care they needed, employers were left short staffed and faced negligence lawsuits. To help both sides move forward as smoothly as possible, the workers’ compensation system evolved on two main tenets: workers could not sue their employers, but would get medical and lost wage benefits regardless of fault.
When You Are Responsible for Your Injuries
Workers’ compensation benefits are provided much like no-fault insurance. If an injury occurs at the workplace, regardless of whose actions are to blame, the injured worker can obtain benefits. As long as the injury results from the course of employment, there is no issue with fault. Injuries commonly occur when employees plan improperly, fail to adhere to safety guidelines, or simply lose focus. These behaviors will not typically keep an injured worker from receiving the medical care and wage replacement benefits they need to recover as fully as possible.
Exceptions to the No-Fault Workers’ Compensation Rules
There are, however, certain situations in which an injured worker’s behavior can negatively affect his eligibility for benefits. In Alaska, there are two key exceptions to the no-fault rules. Workers may be denied benefits if the injury is caused by either:
- The worker’s intent to willfully injure or kill another person.
- The worker’s intoxication by drugs or alcohol.
Learn More About Your Rights as an Injured Alaska Worker
Too many times, injured employees fail to even file for the benefits to which they are entitled because they worry their role in the injury will be an obstacle. This is typically not the case and attorney Ben Crittenden helps Alaska workers understand their rights and find the most effective way forward after a work injury. Even if you aren’t sure if you are eligible for these benefits, contact Ben today to discuss your unique situation. He can help you determine what to do next and provide the guidance you need to be successful during this difficult time. Call his Anchorage office or take a moment to fill out the contact form on this page to get in touch directly with Ben, and take the first step to as full a recovery as possible.