Most businesses in Florida are required to carry workers comp. These include businesses other than construction that have four or more employees, a construction firm with one or more employee, a state or local government, and a farm with five or more employees and/or 12 or more seasonal employees who do seasonal work such as planting or harvesting.
If one is injured on the job, one should report the incident to one’s employer either within 30 days after it occurs or 30 days after a doctor certifies that one had had a job related injury. Failure to do so might result in one’s claim being denied. If the employer does not report the accident to the insurance carrier, one should do so oneself.
Ones medical bills are covered, including doctor’s visits,hospitalization, physical therapy, medical tests, prescription drugs and prostheses. Mileage for travel to and from a health care provider is also covered.
One can also get a certain amount of disability benefits, either temporary or permanent. Temporary total disability will get one 66 2/3s percent of one’s wages at the time one has been injured, subject to a statewide maximum amount. Unless one is disabled for 21 days or more, as determined by a doctor, one will not get the first seven days of the benefit. Certain serious injuries will get one 80 percent of wages for up to six months. One can also get a temporary total disability payment if a doctor determines one cannot earn at least 80 percent of one’s wages but is still able to work. The limit for a temporary disability payment is 104 weeks.
One can also get an impairment payment based on how much of an impairment one has suffered based on what a doctor determines. One can also be granted a permanent disability payment if a doctor determines that one’s medical condition will not improve sufficiently to return to work.
Finally workers comp provides a number of death benefits for ones survivors up to $150,000. It pays for funeral expenses up to $7,500. It provides further compensation for surviving family members and an education payment for the surviving spouse.