Who is Eligible For Workers’ Compensation in Florida?

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Have you been injured at work or while operating as an employee in Florida? If so, you may be eligible for workers’ compensation benefits. Workers’ comp benefits can ensure you don’t have to cover your own medical bills and other such expenses.

What is Workers’ Compensation?

Workers’ compensation is a form of insurance employers purchase so that employees can easily seek compensation for medical bills and other such losses if they injure themselves on-the-job. You may also be eligible for workers’ compensation benefits if you develop a medical condition resulting from your employment.

Workers’ compensation compensates employees for the financial and economic losses resulting from their injuries or medical conditions. For example, workers’ compensation in Florida may provide compensation for medical bills and some lost wages, but won’t compensate you for pain and suffering.

Who is Eligible For It in Florida?

You may be asking “Am I eligible?” as you learn about Florida workers’ compensation. Odds are the answer is yes.

Florida’s workers’ compensation laws require most employers with at least four employees to purchase workers’ compensation insurance. The requirements are more stringent for employers in certain industries, such as construction.

It’s highly likely your employer has purchased workers’ comp insurance. Unless you work for a very small company, you can probably file a claim if you sustained injuries while serving as an employee.

What does that mean? Consider the example of a motor vehicle accident. If you were driving to a job site when your accident occurred, you may be eligible for workers’ compensation, as you were technically working at the time of your accident. However, you might not be eligible if your accident occurred while you were commuting.

How Do I File a Workers’ Compensation Claim in Florida?

To begin the process of filing for workers’ compensation in Florida, follow these steps:

  • Report your accident: Unless you need immediate medical care, file an official report of the accident with your employer (or the highest-ranking team member on the premises) right away. Don’t include any details that might suggest you caused the accident or you were not operating as an employee at the time the accident occurred.
  • Gather evidence: Pictures of the accident scene and pictures of your injuries can strengthen your claim. Gather this evidence, along with the names and contact information of any witnesses. In addition, if you believe a security camera or other such camera recorded the accident, request that the footage be saved.
  • See a doctor: Seeking medical care the day of your accident is imperative. Even if you don’t feel injured, see a doctor as soon as you’re done documenting the scene.
  • Complete forms: Your employer should provide you with basic workers’ compensation forms after you report your accident. Complete these forms accurately and thoroughly.

It’s also wise to meet with an attorney before discussing your case with an insurance adjuster. You’ll benefit from having representation from a legal professional.

Get In Touch With a Workers’ Compensation Lawyer

Hiring a workers’ compensation lawyer is wise for several reasons. First, a lawyer can handle everything from completing paperwork to corresponding with the insurance company, allowing you to focus on your health. Additionally, although an attorney can’t promise a specific outcome to your case, their representation may improve your chances of receiving the full amount of compensation for which you’re eligible. Fill out the Free Case Evaluation to get connected with an independent attorney who subscribes to the website and may be able to help with your case.