As a victim of a workplace accident and wondering when you should expect workers’ compensation benefits, understanding the timelines involved can help set realistic expectations and plan accordingly. Here is what you need to know.
First, you must initiate the claims process by informing your employer about the workplace accident or illness. The sooner you do this, the earlier you will receive the benefits. However, Florida law provides a 30-day window to inform your employer, or your claim may be denied.
The processing times explained
After informing your employer, they have up to 7 days to notify the insurance company. Once the insurance company receives the claim, it has 14 days to approve or deny your claim. You should start receiving medical benefits almost immediately after your claim is approved,
Wage replacement benefits that cover a portion of your missed earnings have a seven-day waiting period. It means you will not receive benefits for the first seven days of your disability unless your injury extends beyond 21 days. In such cases, you will receive payment for the initial waiting period.
Factors that may affect the timeline
Ideally, you should receive your first check within 21 days after reporting your workplace accident to your employer. However, several factors can influence the timeline and delays can occur if there are disputes, insufficient documentation or further investigations are needed. You may also have to go through the appeals process if your claim is denied, which means a longer waiting time.
Familiarizing yourself with how the workers’ compensation process works and reaching out for legal guidance to navigate the system can help avoid mistakes that could hurt your claim and protect your interests.