The workers’ compensation system protects employees hurt at work from financial hardship. It also helps those injured at work get the medical care they need. However, the system can seem complex and scary, especially for people who have never dealt with workers’ compensation before. This article covers the basics of workers’ compensation and how you can benefit from it in Orlando, Florida.
What is the Workers’ Compensation System?
The workers compensation in Orlando system is the set of laws that govern injuries to workers. The system helps protect employees injured in their employment by providing medical care and financial support while they recover. While the system was originally designed to protect workers, it’s also a valuable tool for employers who face certain risks that workers don’t.
The system protects employees injured in their employment by providing medical care and financial support while they recover. Employers have insurance policies to help cover these expenses. These policies are regulated by state law, intended to protect workers while helping ease their burden.
Table of Contents
- What Does Workers’ Compensation Cover?
- Who is Eligible For Workers’ Compensation?
- Working in a business not covered by worker’s compensation
- Make sure your claim is filed in the right place
- Talk to your workers’ compensation attorney first
- Don’t wait too long
- Read the policy
- Don’t accept your first settlement offer
- Let the process play out
What Does Workers’ Compensation Cover?
In general, workers’ compensation covers two things:
- Out-of-pocket medical expenses. That covers the worker and their family.
- Lost wages due to injury.
Depending on your state’s laws, workers’ compensation could also cover pain and suffering, mental anguish, and funeral expenses. But in Florida, such are not covered.
Who is Eligible For Workers’ Compensation?
In general, employees who work for companies insured by workers compensation in Orlando system are eligible for benefits. However, certain employers are exempt from state workers’ compensation laws in some cases. Those employers are listed as “non-employers” on state-level workers’ compensation forms but are typically small business owners, contractors, and consultants who have a contract with the state.
Working in a business not covered by worker’s compensation
If one works for a business that isn’t covered by workers’ compensation, they may still be eligible for federal workers’ compensation. The federal government has its own set of laws to protect employees injured at work.
How Do You File a Claim?
Go to your state’s workers’ compensation office and file a claim. The claim process can be confusing for both injured workers and their representatives. This can make it hard for you to collect on your claim.
When filing a claim with the workers compensation in Orlando office, you must provide details about your injury or illness, how you were injured, and how much money you lost due to the injury. You may also need to provide any relevant medical records.
Get a claim form, fill out the claim form, sign the form, and send the completed form back.
To make filing a claim easier, it is recommended that you hire a workers’ compensation attorney. It’s also recommended that you keep all documents related to your case, including medical records and any related correspondence.
For a successful workers’ compensation claim:
Make sure your claim is filed in the right place
This is the most important thing to remember when filing a workers’ compensation claim. If you file your claim wrongly, you will likely not receive the benefits you are entitled to. File the claim with the Florida Department of Economic Security. After this, you will be contacted and sent to a claim representative to help with the process.
Talk to your workers’ compensation attorney first
Getting a lawyer involved is always a good idea if you’re dealing with a complicated workers’ compensation claim. You may not need a lawyer if the claim is straightforward. However, you might have a claim that needs a lawyer’s help. They will help you understand the system, determine if you are entitled to certain benefits, and help you file the right paperwork.
Don’t wait too long
If you take a lot of time before filing your claim, you will likely have difficulty winning. This is because the law requires that a medical professional must have diagnosed your injury or illness within one year of the incident. If your injury or illness is not yet diagnosed, you can still file a claim. However, you may have to file a separate lawsuit against the employer.
Read the policy
Read the company’s policy. This is especially important if you work for an employer that does not have workers compensation in Orlando insurance. If you had no idea that workers’ compensation didn’t cover you, you could be entitled to receive more benefits, such as a higher salary.
Don’t accept your first settlement offer
This might seem like common sense, but it’s important to know what to do when offered a settlement. It probably isn’t a fair settlement if you’re offered a settlement before filing your claim. Why? Because either your employer or their insurance company is already negotiating with you, which means they have a head start.
They’re likely offering you less money than they’re required to pay you under the workers’ compensation law. You can reject the settlement and go to court, where a judge will determine what you deserve. The only exception is if you and your employer agree to a settlement.
Let the process play out
Premiere settlements are typical settlements where an insurance company, employer, or public agency settles your claim. If an attorney or a private party is involved, you’re probably getting a Premiere Settlement.
If you’re getting a settlement solely through the state worker’s compensation system, you’re probably getting a Crowd-Sourced Settlement. Many people don’t understand that these different types of settlements exist. They also don’t understand that they have the option to reject either type of settlement when they’re offered one.
The workers’ compensation system protects employees injured in their employment by providing medical care and financial support while they recover. Without it, employees might not have medical care or money to pay bills during their recovery.