How Do I File A Workers Compensation Claim For My Construction Site Injuries In Port Charlotte?

Construction is one of the most physically demanding jobs in Port Charlotte. As such, it is also one of the jobs with the highest rate of on the job accident and injury. It is quite common for construction workers to file a workers compensation claim. However, if you never have filed a claim before, it can seem like a daunting process. Fortunately, a qualified workers compensation attorney can help you through the process. Here is everything you need to know about filing a workers compensation claim in Port Charlotte.

Workers Compensation And Construction Accidents In Florida

Under Florida state law, if you are a full or part time employee injured on the job doing your regular duties, you are covered by workers compensation. There are some exceptions to this rule, but they are rare especially in the construction injury. As everyone knows that construction is a more dangerous job than say office work, there are more protections for construction workers. The best way to see if you are covered is by reading the workers compensation coverage requirements on the Florida state website.

What To Do Immediately Following An Accident

One of the most important things you need to understand when it comes to filing a workers compensation claim is what you do immediately after the accident can impact your claim. So it is important to follow the standard reporting protocol:

● As soon as the accident happens, notify your boss
● See a physician and get a diagnosis and documentation of your injuries
● Fill out the company required paperwork for the claim
● Your employer will file the claim form with the insurance company
● The insurance company will then approve or deny the claim

You will then return to work as normal if your injuries do not prevent you from your normal duties.

What Happens If My Employer Won’t File A Claim

A lot of employers will go out of their way to avoid filing a legitimate workers compensation claim. They do not want to pay for the incident. However, workers compensation is a government-protected right. If your employer will not file the claim, you can file directly with the state of Florida. You will simply submit the information through the online portal to get started. Make sure to do this only after you have notified and ultimately, been declined by your employer. If you need guidance, speak to your workers compensation attorney. They will be happy to help you with the process.

What If The Insurance Company Denies My Claim?

If the insurance company declines your workers compensation claim, you have a couple of options. First you can request a reconsideration from the insurance carrier. If that still does not help, then you can file a formal appeal. This is usually done through the Florida Division of Workers Compensation. If you have to file an appeal, it is always advisable to speak to an attorney. In most cases, workers compensation claims are denied because the paperwork and documentation was incorrect. A workers compensation attorney will ensure that you meet all these legal requirements.

How An Attorney Can Help

Attorneys can help in a number of ways. They can protect your rights if your employer denies your claim. They can help guide you through the workers compensation claims process to avoid denials and support you during the appeals process. Finally, a workers compensation attorney will work with you to understand the total impact of the incident. Then they will fight to get the full value of your claim.

To learn more about working with a workers compensation attorney, give our Port Charlotte team a call. You can also just chat with us online through our website. We’ll be happy to review your case for free and provide you with a number of legal options.