Businesses in Florida that have at least four employees must carry workers’ compensation insurance. This ‘no-fault’ system helps provide timely financial support for employees who suffer from work-related injuries or illnesses.
Here are three types of benefits covered by the Sunshine State’s worker’s comp:
Medical benefits
An approved claim can cover full payments for an injured worker’s medical expenses, including their doctor fees, surgery costs, hospital bills, medicines and medical supplies.
To help ensure a smooth claims process, employees must report their accidents to their employers within 30 days. If they miss this key timeline, it may lead to the denial of their claim.
Wage loss compensation
If an employee misses work because of their injury or medical condition, their insurance can send them partial wage replacement (up to a state-set maximum) while they are in active recovery.
Disability benefits
The state’s workers’ comp also provides disability benefits for employees whose injury has caused them permanent total disability (PTD). This means that they can no longer work, and may pertain to catastrophic accidents that resulted in:
- Total blindness
- Amputation of both arms or legs
- Complete paralysis
Because of the severity and life-altering effects of these injuries, they may qualify for lifetime PTD payments.
Employees can seek compensation for their workplace accidents
By reporting their injuries to their employers with promptness and filing their workers’ comp claim within the two-year statute of limitations, workers can let go of their financial worries and receive financial support for their medical bills and lost income.