Workers’ Compensation is a type of insurance coverage purchased by your employer/business to provide benefits for any job-related injuries you might sustain. Florida law requires employers to purchase workers’ compensation coverage to provide for compensation for injuries incurred as a result of the job. This coverage is paid no matter who is determined to be at fault. In return, employers enjoy immunity from injury lawsuits brought by employees.
In Florida, the Division of Workers’ Compensation is the primary regulatory agency for ensuring injured employees receive the proper benefits under this coverage. The benefits may include medical expenses, disability, or death benefits. The Office of Insurance Regulation is responsible for regulating the rates, and terms for this type of coverage. The amount of compensation is set by law.
There are many issues to be addressed when a Florida employee suffers an injury or disability due to an occurrence on the job. The Florida workers’ compensation system handles all benefits awarded.
What is Consider a Workers Compensation Accident
Any physical injuries that occur as result of work fall under the auspices of Florida workers’ compensation laws. Injuries may result from an employee slipping or falling or being caused by equipment or chemicals on the job. If an employee contracts a disease while at work, or becomes ill as a direct result of the work they do or conditions they are exposed to at work, they are eligible for Florida workers’ compensation benefits. If a worker is killed, or dies from his occupation related injury or disease, his dependents may be receive death benefits to make up for lost wages.
However, if a worker who is injured is found to be using alcohol or drugs at the time, they do not fall under the protection of Florida workers’ compensation benefits. Stress-related illnesses, mental conditions, or pain and suffering will not normally be covered under Florida compensation laws either.
What Types of Compensation can be Expected Under Florida Law
In Florida an injured worker can expect tor receive Income benefits, payments for medical treatment, reimbursement for mileage, and funeral and death benefits if necessary.
Income Benefits are normally as follows:
- Temporary Total Disability Benefits(TTD)
If you cannot perform your job as a whole because of injury or illness sustained at work, you may receive TTD compensation. Payment will depend on the severity of the injury. You could get up to 80% of your pre-injury wages for up to 6 months if the injury is severe. Lesser injuries should expect about 2/3 of your regular wages.
- Temporary Partial Disability Benefits(TPD)
When employee cannot their same duties as they did in their actual job, but can still work in some capacity, even if hours or duties are diminished, they must make at least 80% of their original wages or are entitled to compensation.
- Permanent Partial Disability Benefits (PPD)
If you your injury, even after you maximum medial improvement, is not enough for you to perform your duties, you can receive PPD benefits.
- Permanent Total Disability Benefits (PTD)
If Permanent total disability is determined, the Florida Bureau of Monitoring and Audit will handle the case. This agency should be contacted to determine an estimate PTD compensation you might receive.
In addition, Florida Workers’ Compensation Benefits call for your employer’s insurance carrier to pay your medical treatments as needed. This should include things like any required prescriptions, and bills, for doctors and hospital visits. You can also be reimbursed for Mileage to and from medical appointments, and for time lost travelling to and spent in treatments.
If an employee dies from a worksite illness or injury, the relatives or other dependents can recover death benefits for the loss of the employees earning capacity. Under some circumstances, funeral expenses may also be offered through Florida’s Workers Comp.
Because of the urgency, and complicated nature of these claims, it is in your best interest to contact a qualified attorney to help you cut through the red tape. At Hardesty, Tyde, Ashton and Green we specialize in all aspects of workers’ compensation laws and will get you the compensation you are entitled to.