FAQ: Workers’ Compensation

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Who Needs a Workers’ Compensation Policy? 

If a business employs workers on a regular, casual or contract basis, it must obtain a workers’ compensation insurance policy. All Florida employers have a legal obligation to provide their employees with a safe workplace and must purchase insurance to provide compensation to workers who are injured in the course of their work regardless of who is at fault.

How Do I File for My Workers’ Compensation Benefits?

Filing a workers’ compensation claim is easy. You, your employer or the physician who treated you can report the injury to the Florida Division of Workers’ Compensation, which administers the workmen’s compensation law.

The Florida Division of Workers’ Compensation will make a report to your employer’s insurance carrier. The carrier then has a short period of time, usually ten to thirty days, within which to decide if the claim is valid. If accepted, the doctor’s fees and any disability payments are paid according to a fee schedule set by Florida state.

If you are temporarily unable to work due to the injury, you’ll begin receiving checks to cover your wage loss within 15 days from your injury after your claim has been approved. Your employer will notify the insurance company to discontinue the wage-replacement checks as soon as you recover and return to work.

What Does My Workers’ Compensation Policy Cover?

Depending on the individual claim and the severity of your injury, you may be eligible for all or some of the following payments:

  • Weekly benefits
  • Medical or related treatment
  • Occupational rehabilitation services
  • Ambulance service
  • Hospital treatment
  • Travel expenses to attend appointments for medical and other treatment
  • Lump sums for permanent impairment
  • Vocational re-education and retraining, work aids and equipment and/or work trials
  • When the injury results in the death of the worker, the dependent family members may be eligible for death benefits and/or funeral expenses.


If you or someone you love has been injured on the job anywhere in Florida, you need our experienced workers’ compensation attorneys on your side to help you get the compensation you deserve.

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