How Workers’ Compensation Works

Whether you work in a high-risk environment or not, you still run the risk of injuring yourself at work. From factories to offices, private industry employers reported 2.8 million nonfatal work accidents in 2019. Just in Florida, these injuries resulted in about 62,000 workers' compensation claims

As workplace injuries are so common, it's good to know how workers' compensation works and what you need to do if you must file a claim. Let's explore some of the common questions about workers' compensation, so you can get the information you need. 

What is workers' compensation?

Workers' compensation is a type of insurance that employers buy to provide benefits to employees who are injured on the job. In Florida, most employers must purchase workers' compensation coverage to protect their employees and their businesses. The only exemptions are licensed real estate brokers, musical theater performers, temp workers, and contract workers, except those working in construction. 

What does workers' compensation cover?

If you're injured at work and file a worker's compensation claim, it could cover:

In some cases, worker's compensation may cover long-term disability payments, but there are some limitations for how long these payments may last. 

How do I start a workers' compensation claim?

If you're injured at work, your first step should be to get the first aid or emergency care you need to stabilize your injury. Then you need to report the injury to your supervisor. You might be able to make an oral report, but some employers require written notification. In Florida, you must file your injury report within 30 days.

Your supervisor files the First Report of Illness or Injury with their insurance provider, and they give you a copy of the documents. If you're eligible, you should begin to receive payments within 21 days of the report.

You have 30 days from the time of your injury or your doctor's diagnosis to file a workers' compensation claim. You need to notify your employer of your intention so they can give you the required forms. Your employer has seven days to notify their insurer of your intent to file. 

How do I keep my workers' compensation claim on track?

Make sure to fill out your forms completely and correctly. Most workers' compensation documents require information, such as:

Here at Spine & Pain Institute of Florida, our board-certified pain management specialist, Dr. Navdeep Jassal, provides thorough workers' compensation exams. He completes any required medical forms to provide information about your injury and how it impacts your ability to work and maintain your other regular activities.

Florida law requires a prompt turnaround on workers' compensation claims. The sooner you report your injury and start the process, the better. Getting a medical assessment from an expert like Dr. Jassal can help you make a complete and detailed claim that's likely to be approved. 

If you need medical attention after a work-related injury, call our office in Lakeland, Florida, right away, or request an appointment online while you're here on the website.

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