Workers' comp insurance pays for the medical expenses associated with claims or injured workers. The cost of an ER visit, required surgeries and drug prescriptions are some of the covered expenses included under a policy.
An employee injured due to a slip and fall would be covered, for example. Coverage for medical benefits can also include longer term expenses such as physical therapy or rehabilitation. Most business owners can't afford to continue paying employees if they are unable to work while they are injured. Workers' comp income benefits in Florida will replace most of your employees missing income if they are away from work due to an injury or illness. For example, if a construction employee broke his arm and could not perform the job for 8 weeks, the coverage would make payments to the employee to help replace the lost wages.
Sometimes an injury can cause a partial disability or a more permanent disability. Workers' compensation steps in to help pay the cost of ongoing medical bills and may even replace a portion of wages lost due to the disability. If an employee had a finger amputated due to a work related injury. The employee could be paid a sum known as an Impairment Rating for the loss of the finger for permanent disability as well as some temporary disability coverage while recuperating.
Some types of work environments can include occupational exposures that have unforeseen circumstances. A chemical mixing operation, for example, may expose employees to chemical irritants and cause harmful reactions that make them sick. A workers' comp policy would cover the cost of treating an illness caused while performing the job.
Nearly 50, deaths happen at work each year. Many of these are in the construction and trucking industries. A workers' compensation policy is designed to cover the cost of these funerals and to provide death benefits to the employees family. State guidelines often determine the dollar amount of coverage.
Workers' compensation coverage is a No-Fault system designed to prevent costly employee lawsuits related to on-the-job-injuries. Many state provisions include Exclusive Remedy rules that protect covered businesses from these lawsuits in exchange for providing workers' comp coverage for their employees. Claims should be reported to a supervisor with 30 days. Employers should also report any claims or accidents to their insurance company within 30 days from notification.
Protect your business from audits. We've negotiated special deals with many of our insurance partners. We offer more flexible payment options, like 12 equal installments plans and monthly reporting programs, to help improve cash flow for our business owners. We're a national agency, but Florida is one of our top states for workers' comp coverage. That's because we offer dozens of insurance companies that specialize in workers' compensation.
Their looking to quote your insurance today. FL Workers' Comp Specialists. State regulations regarding owners and officers' ability to include or exclude themselves from coverage can be cumbersome.
Rules vary significantly between non-contractor and construction related risks. We'll help you navigate the laws and get the most affordable policy. Help with FL Class Codes. Insurance rates can vary significantly between NCCI classification codes. Let our FL Workers' Compensation Specialists help you determine your correct workers' compensation class codes before your buy a policy. We'll help make sure your business is properly covered. Fast Workers' Comp Quotes.
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Grow Your Legal Practice. Meet the Editors. Learn how Florida calculates benefits for lost wages resulting from a workplace injury. Temporary Disability Benefits Under Florida workers' comp, you'll be eligible for temporary total disability benefits if you need time away from work to recover from your work-related injury or illness. Temporary total disability benefits will continue until the earliest of three events: your doctor says you can go back to work your doctor says that your condition won't improve, even with further medical treatment a stage called "maximum medical improvement," or MMI ; or you've reached the maximum amount of time for temporary disability benefits.
Permanent Impairment Benefits Once your medical treatment is complete or six weeks before your temporary total disability benefits are set to expire if you haven't yet reached the MMI stage , your doctor will evaluate you to determine whether you have any lasting medical condition or lost function called an "impairment" as a result of your injury. Permanent Total Disability Benefits If your doctor finds you have a permanent disability that keeps you from doing any work even a sedentary job , you will be eligible to receive permanent total disability benefits at the same rate as your temporary total disability benefits.
Additional Benefits Florida workers' compensation also provides additional benefits, including: Medical benefits. Workers' comp pays for all medical care that's necessary to treat a work-related injury or illness, as long as your treatment is prescribed by the treating doctor and authorized by the insurance company. You're also entitled to the cost of traveling to and from doctor's appointments and to get prescribed medicine.
For more information, see our article on how to get medical treatment through workers' comp. Vocational rehabilitation. If you can't return to your normal job, you may receive placement services, vocational counseling, and other help to find new employment. If you need additional training or education to get a suitable job, workers' comp may pay for that education, but only for 26 or 52 weeks.
Death Benefits. When an employee dies as a result of a work-related injury or illness, the worker's spouse, children, or other dependent relatives can receive death benefits. Limitations of Workers' Comp Benefits As you can see, workers' comp pays only a portion of your lost wages although it helps that workers' comp benefits are generally tax-free. The type, amount, and rate you are awarded will vary depending on numerous factors, including the nature of your injury, your work restrictions, and your income.
Your treating physician may determine that you are temporarily unable to work as a result of your injuries. If this happens, you will be awarded temporary total disability TTD benefits. These benefits are not awarded for the first seven days of your disability unless you are disabled for a period of at least 21 days.
You may continue to receive TTD benefits for a maximum of weeks. During your recovery, your treating physician may determine that you are capable of returning to work with certain restrictions.
It may result in a lump sum payment of benefits including interest or a schedule of payments. Case goes to pre-trial hearing. If no settlement is reached through mediation, a pre-trial hearing is scheduled before a JCC. The hearing should be held in the county where the injury arose. All parties should receive a day advance notice of the hearing date. Final hearing takes place. A hearing to resolve the benefits dispute should be held within 90 days after the mediation conference — and no later than days after the Petition is filed.
JCC issues decision. Parties agree with decision. One or more parties disagree with decision. The appeal is filed with the First District Court of Appeal. However, additional time may be allowed.
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