Getting hurt at work can be scary. You may wonder who will pay your bills or if you could lose your job. That’s where workers’ compensation comes in. It’s a system that helps injured employees get medical care and lost wages without having to sue their employer.
Here are some key facts every Florida worker should know about their rights and benefits.
Most Florida Employers Must Have Workers’ Compensation
Most employers are required by law to carry workers’ compensation insurance.
- Businesses with four or more employees must provide coverage.
- Construction companies must have coverage even with one employee.
- Farmers need it if they employ six or more regular workers or 12 or more seasonal workers.
This rule helps ensure that injured workers receive assistance quickly, regardless of the company’s size.
You Must Report Your Injury Quickly
After an accident, time matters. You have 30 days to report your injury to your employer.
Inform your supervisor as soon as possible and provide a detailed explanation of what happened. Waiting too long can lead to your claim being denied.
Your employer should then contact their insurance company to file the claim on your behalf.
You Can Choose From Approved Doctors
You cannot pick just any doctor in Florida. The insurance company provides a list of approved doctors who handle workers’ comp cases.
If you go to your own doctor without approval, those medical bills may not be covered.
However, if it’s an emergency, you can go to the nearest hospital first, and your care will still be covered.
You May Receive Wage Replacement Benefits
If your injury keeps you from working, you can get part of your lost wages.
Florida pays about two-thirds of your average weekly income before the injury. Payments usually start once you’ve missed more than seven days of work.
These benefits help you stay financially stable while you recover.
You Are Protected From Employer Retaliation
It’s illegal for an employer to fire, demote, or punish you for filing a workers’ compensation claim.
If your boss tries to retaliate, you can report it and take legal action. These laws exist to protect your right to speak up when you’re hurt.
Standing up for yourself should never cost you your job.
A Lawyer Can Help If Your Claim Is Denied
Sometimes, insurance companies deny valid claims or delay payments. When that happens, you have the right to appeal.
An experienced workers’ compensation attorney can help gather medical records, file paperwork, and represent you in hearings.
If you are unsure of your rights, talking to a lawyer early can save time and stress.
If you’ve been hurt at work, follow the steps above and don’t wait to get advice. A trusted Florida workers’ compensation lawyer can help you understand your benefits, file your claim, and fight for what you deserve.
