The state of Florida has strict regulations under Worker’s Compensation that require most employers to pay into Worker’s Compensation. To look up your employer, visit the Proof of Coverage Database to make sure that you are covered. We also recommend that you download the Worker’s Compensation System Guide in order to fully understand what both you, your employer, and your employer’s insurance company are obligated to do under the law.
In the Guide, you will see that your employer must pay for your medical treatment. They are responsible for arranging things with the insurance company and making sure that they are covered for you; that is not your job. What you and your family will want to understand is your policy on co-payments and anything else that may be your obligation. Keep careful track of any expenses that you have that pertain to medical care so that those expenses can be included in your claim, whether you are covered or not with the insurance company. That money may be recoverable.
The time of and directly after the accident is crucial, both legally and medically. Have your family keep extensive records of every detail of medical care, symptoms, and anything else that may relate to your claim. You should only undergo a waiting period of seven days after the accident. A claims adjuster from your employer’s insurance company should also be calling you within 24 hours after the accident and you should receive an informational packet in the mail. During this period, you will be asked to sign a number of forms that your employer will insist are necessary. Some are, and some are designed to limit the liabilities of your employer. It is vital that you retain counsel directly after the accident and pass any papers on to their offices for examination, excepting the ones that they agree must be signed immediately. Remember that you can only exercise your rights as an injured worker if you have as many facts as possible available to you and your counsel.
While there is a lot of information on the website for the Florida Department of Financial Services, only a lawyer will be able to tell you the full story as it relates to your situation. Many of the regulations are designed to protect employers and insurance companies against fraud and make it difficult for a truly injured worker to navigate the choppy seas of Worker’s Compensation. You do have extensive rights under Worker’s Compensation in Florida, and we are here to ensure that the obligations of your employer to you are met in full.