Workers who suffer injuries in a workplace accident may know they have the right to seek certain types of financial support through a workers' compensation claim. It is in the interests of every Florida employee to know his or her rights and how to proceed in the event of an accident or occupational illness. Knowing how the workers' compensation claims process works and what to expect is prudent, no matter your job description.
While most people know they can seek help after an accident, you may not be certain what types of benefits you can receive or how to initiate the claims process. It can be helpful to know what to do next in case of an accident. The workers' compensation process can be complex and confusing, but you have the right to fight for the full and fair recovery you deserve.
Who is workers' compensation for?
The intent of workers' compensation insurance is to provide financial support for individuals who experienced injuries in jobsite accidents or those who become ill due to an occupational illness. It offers certain protections for employers as well, because it significantly lowers the risk for litigation. Workers' compensation is no-fault, which generally means that identifying the negligent party or determining fault is not necessary.
What does workers' compensation cover?
There are limits to what this type of insurance will cover. However, your employer's workers' compensation insurance will likely cover losses and needs that an injured worker may experience because of the following:
- Injuries suffered on jobsites, including those suffered in the break room or anywhere on company property.
- The exacerbation of an injury or medical conditions you already had when you started working for your current employer
- Mental or physical strain you endured as a result of your job, the demands of your employer or harassment at work.
Workers' compensation benefits generally cover a portion of an employee's lost wages, as well as medical bills. It may also cover other needs, such as assistance necessary to reenter the workforce.
Learn about your rights as a worker
Whether you already suffered an injury and you need help with your recovery or you want to be prepared in case of a contingency in the future, it is smart to know your rights regarding workers' compensation benefits. It might benefit you to discuss your concerns with an attorney familiar with workers' compensation laws specific to Florida.