The workers’ compensation insurance scheme covers employees who suffer work-related injuries or illnesses. However, navigating the claims process can be overwhelming, especially if you do not understand how things work or what to expect.
The uncertainty and misinformation surrounding workers ‘ compensation have given rise to various misconceptions, from concerns about your job to the injuries covered. Below are some of these common myths debunked to provide clarity on the reality of workers’ compensation.
Myth 1: Only severe injuries are covered
Workers’ compensation covers a wide range of minor and severe injuries. Whether you experience a sprained wrist, repetitive strain injuries or even psychological trauma due to a workplace accident, you may be eligible for compensation. The key factor is that the injury must occur during work-related activities.
Myth 2: You could lose your job for claiming benefits
Concerns of retaliation are commonplace among workers with valid workers’ compensation claims. However, Florida law protects you from any form of workplace retaliation. You do not have to worry about losing your job, getting demoted or other adverse actions by your employer.
Legal recourse is available to protect your rights if you face discrimination or wrongful termination due to a claim.
Myth 3: Workers’ compensation covers only medical expenses
Beyond medical expenses, workers’ compensation benefits in Florida encompass various forms of compensation. These include wage replacement for missed work, vocational rehabilitation if you need to change careers and compensation for permanent disabilities.
Understanding the breadth of benefits available can help you secure the financial support necessary for your recovery and well-being.
Myth 4: A denied claim is the end of the road
A denied workers’ compensation claim does not signify the end of your pursuit of benefits. In Florida, you have the right to appeal a denied claim. By providing additional evidence and following the proper appeals process, you can still strive to obtain the compensation you rightfully deserve.
Learning more about workers’ compensation and seeking the necessary guidance can help you have a smooth process and ensure you protect your interests.