Workers Compensation in Jacksonville, FL
You aren’t alone if you ask “How does workers comp work?” Workers’ compensation is a type of insurance that provides wage and medical benefits to people who have become ill or injured while at work. The extent of workers’ comp coverage an employer is required to carry is governed by Florida state law. Thus, in trying to figure out how workers comp works, it helps to understand the laws on the books in the state where the business operates. If the injury or illness a worker sustains is eligible for compensation, the insurance carrier should help ease the financial burden the illness or injury created on the worker. Learn some of the basic principles of Jacksonville, Florida workers’ compensation insurance and how the process works.
Workers Compensation Statistics in Jacksonville, Florida?
The most common work-related injuries in Jacksonville, FL are slips and falls, strains and sprains, and back injuries due to heavy lifting. Construction injuries make up a large total of workplace injuries. Even the safest construction site has the possibility for falling objects, improper lifting of heavy equipment, and work with dangerous machinery. Each year insurers pay over 1 million dollars in workers’ compensation medical bills, according to The Workers’ Compensation Construction Industry Summary.
How Does Workers Comp Work in Jacksonville, Florida?
Unfortunately, going through the process of applying for workers’ compensation begins with getting sick or injured on the job. The circumstances surrounding the incident that led to your problems are especially crucial. For example, the injury had to occur during your regular work duties. While an event that happens during your lunch break wouldn’t apply, getting into a car accident while running an errand for your boss would qualify for a claim.
The Florida Office of Insurance Regulation states that all businesses and employers provide workers’ compensation insurance. The types of insurance carried by your employer differ based on the size of the company. As well as the type of work, and whether or not your employment is considered full-time or seasonal. If you have been injured in Jacksonville, FL workers’ compensation entitles you to certain benefits. You can receive medical reimbursement, lost wages, disability, and death benefits. You can also receive compensation for mental health strain, if you are experiencing anxiety, nervousness, or depression as a result of your physical injury.
For example, say your supervisor asked you to drop something off on your lunch break. While running this errand you then get in a car accident on your way to the destination. Any resulting injury is eligible for workers’ compensation. However, if you are on your lunch break, performing no such task when you get in an accident, it does not qualify for a claim.
The steps you take immediately following a workplace incident in Jacksonville, Florida are critical for purposes of filing a claim for compensation. Follow the following steps to preserve your rights and learn how workers comp works.
Get Medical Attention
After you get injured or feel ill, the first step is to see a doctor. Don’t delay seeking help from a Jacksonville, Florida healthcare professional. This could not only jeopardize your health, but you run the risk of missing time-sensitive deadlines. Deadlines that are critical in the workers’ compensation process. Having a proper medical report detailing the extent of the damage and how it occured is the first step in the process. Your employer cannot file a claim with their insurance carrier without this information.
When dealing with a job-related illness, the symptoms and diagnosis may not happen right away. You may find yourself attending regular checkups and testing for weeks or months. Before a doctor finally associates your illness with your job. Your doctor may make the determination that the illness is either the result of your work conditions or aggravated by them. Once they do, see your human resources representative to file a workers’ compensation claim.
File a First Report of Injury
The first report of an on the job injury or illness will provide the workers’ compensation insurance carrier with the details of the events leading up to the injury. In this report, you will provide your physical injuries, the medical treatment you received and the facilities that provided it. It’s always a good idea to bring a copy of the doctor’s report to submit with the report of injury.
The Florida Division of Workers’ Compensation instructs you to tell your employer immediately if you have been injured in a work-related incident. Telling your employer immediately only helps you. It better establishes that you suffer an injury while working. After you have notified your employer, you should seek medical treatment as soon as possible. This will save you on medical costs and recovery time. Once you’ve received treatment, it’s always a good idea to ask for 2 copies of the physician’s report. 1 copy for your employer’s files, and 1 copy for your own. Should any disputes arise, this will allow you to better challenge any assessment you feel is unfair.
Timeline and Other Information
If you have been injured in a work-related incident in Jacksonville, FL your employer has 7 days to file your report. Once the insurance company has received the report, they have 21 days to approve or deny the claim. You can receive total temporary disability benefits for a maximum of 104 weeks. Your benefits are set at nearly 67% of your average weekly working wage. Benefits for total temporary disability are capped at $971 per week.
Your employer should furnish you with information about the claims process. The adjuster or insurance carrier representative may want to speak to you at some point. Typically about the incident and any possible witnesses to the event. In the meantime, the workers’ comp insurer may begin paying medical benefits while the investigation into your claim continues.
Why You Should Hire a Jacksonville, Florida Workers’ Compensation Lawyer
While workers’ compensation claims may be straightforward for some cases in Jacksonville, Florida, in others, it may be more difficult. For example, your employer might ask if you are hurt on the clock, or while on your own time. It’s also common for a company to question the full extent of your injury. Hiring a Jacksonville, Florida workers’ comp lawyer ensures that you have an advocate to fight for your rights as a victim.
Work With an Experienced Local Lawyer In Jacksonville, Florida
If you are hurt or contract an illness as a result of your job in Jacksonville, Florida you need to find the right people to help. Since the workers’ compensation claims process can have pitfalls, you should consider getting a local attorney who knows how to avoid them.
Submit a request online or call us today at (866) 345-6784 to get in touch with an experienced lawyer in your area!