The Florida Department of Health reported that approximately 70,000 people get hurt on the job each year. If you suffer an injury or illness at work in Florida, you may qualify for workers’ compensation benefits. These benefits provide medical care and financial assistance during your recovery.
Understanding how to apply for workers’ compensation in Florida is important, as the process involves specific steps and deadlines you need to follow to receive benefits. Being well-informed about this process can help ensure you file your claim correctly and receive the support the law entitles you to.
Report the injury to your employer
The first step is to report your injury or illness to your employer as soon as possible. Florida law mandates reporting the injury within 30 days. If you do not report within this timeframe, you may face claim denial. Provide specific details about the incident and your injury when reporting.
Seek medical attention
After you report the injury, seek medical attention immediately. Your employer should give you a list of approved healthcare providers. You must use these providers for your treatment to qualify for coverage under workers’ compensation. Remember to tell the healthcare provider that your injury is work-related.
Your employer files a claim with their insurance
Once you report your injury, your employer should inform their workers’ compensation insurance carrier. The insurance company then files a claim with the Florida Division of Workers’ Compensation. Make sure your employer has all the necessary information for this step.
Cooperate with the insurance company
The insurance company will likely contact you for more details about your injury and its occurrence. Provide them with accurate information and cooperate fully. They will use this information to assess your claim and determine your benefits.
Receive and respond to the decision
After the insurance company reviews your claim, it will either approve or deny your benefits. If approved, they will inform you about the benefits you will receive. If denied, you have the right to appeal the decision.
Remember, prompt and accurate reporting and following the prescribed steps are key to a successful workers’ compensation application process. If you have any doubts about any part of the process, do not hesitate to ask for clarification from your employer or the insurance company.