Workers' Compensation FAQs: What You Must Know When Working in North Port, Florida

Workers' compensation in Florida is simply coverage that is purchased by an employer or business. It provides its workers with benefits for any job-related injuries. Florida law does require that most employers in the state have this kind of coverage.

Here is a list of some of the more commonly asked questions about Florida workers' compensation coverage. We will also outline some exceptions to when the coverage cannot be used.

What Is Not Covered Under Workers' Compensation?

When discussing exceptions to this coverage, we need to discuss intentional acts. If a worker intentionally causes a workplace injury or illness, they will not be covered under any workers' compensation insurance policy. Also listed as an exception is when the worker engages in an illegal activity that causes injury.

Who Exactly Is Eligible for Workers' Compensation?

Now that we have covered the exceptions, who is actually covered under this insurance? It covers any employee who suffers illness or injuries while working. This can include exposure to dangerous materials or if you get into an accident while traveling for business.

What Are Some Common Workers' Comp Claims?

Strains, sprains, slip and fall injuries, being struck by an object, cuts, punctures, scrapes, motor vehicle accidents, machinery accidents, burns, scalding and heat or cold exposure are some of the more commonly reported workers' comp claims.

What Do You Have to Do When Filing?

To file for workers' compensation benefits, many steps must be taken to start the claims process successfully. First and foremost, you must report the accident to the employer as soon as possible. This has to be done at least within the first 30 days of the incident, or your claim could be denied.

Next, seek medical attention and start documenting everything for your claim. Your employer will give you a list of authorized medical professionals you can see for treatment under their policy. Once you inform them that the injury or illness is work-related, the medical provider will submit all the bills to the employer's insurance company for payment.

After all this, you want to pay close attention to what the insurance company sends. From the day you file your claim, the insurance company has three days to send you all the information pertaining to your rights and responsibilities as the injured employee.

How Do You Calculate a Workers' Compensation Claim?

Once you have successfully filed your workers' compensation claim, benefit checks are often sent either weekly or biweekly. When calculating compensation, it comes out to two-thirds of your average weekly wage. It is also capped at a certain amount.

If the injuries are more severe, then compensation may be calculated differently. Every case is different, so you never really know what to expect until your specific situation is reviewed.

Do You Have to Pay Taxes on These Benefits?

Another common question is if the worker has to pay taxes on workers' compensation benefits. No. You do not. However, if you can work on a limited basis or are on light duty under a doctor's supervision, then you will be taxed on the wages you earn while actually on duty.

Can You Appeal a Workers' Compensation Decision?

In some cases, you may find that your claim is denied. If you are faced with this kind of response, you can file an appeal and continue to demand full compensation for your injury or illness.

If you have recently been denied a claim, it is in your best interests to consult with an experienced personal injury attorney who is familiar with workers' compensation law in Florida.