Our Fort Lauderdale Workers’ Compensation Law Firm Breaks Down Benefits and Eligibility
In Florida, the workers’ compensation system is designed to ensure that injured workers and families who lose loved ones in job-related accidents have access to the money they need during their recovery. Unfortunately, recovering workers’ compensation benefits is rarely as easy as it should be. Employers and workers’ compensation insurance companies routinely deny claims for medical, disability and death benefits, and many individuals and families struggle needlessly as a result.
At Maus Law Firm, we help employees who have been injured on the job secure the benefits to which they are entitled under Florida law. We also help families recover death benefits after fatal job-related accidents. Regardless of your situation, we can use our experience to seek maximum workers’ compensation benefits on your behalf, and we can make sure you are not wrongfully denied the benefits you deserve.
When is a Worker (or a Worker’s Family) Eligible to Receive Workers’ Compensation in Florida?
In order to be eligible for workers’ compensation in Florida, a worker must generally be classified as an “employee,” as opposed to an “independent contractor.” If you receive a regular paycheck with deductions for taxes and Social Security and your employer sends you a W-2 at the end of the year, then you are an employee. If you do not (i.e. if you receive a 1099 at the end of the year), then you may be classified as an independent contractor; however, how you get paid is not the sole factor for determining your employment status.
Most people are employees; and, if a company has classified you as an independent contractor, this classification could be wrong. As a result, we recommend that anyone who has been injured on the job (or who has lost a loved one in a fatal on-the-job accident) contact a Fort Lauderdale workers’ compensation lawyer to discuss their legal rights.
What Workers’ Compensation Benefits are Available in Florida?
In Florida, eligible employees can recover two primary types of benefits. These are: (i) medical benefits, and (ii) wage replacement benefits (which are also known as disability benefits).
Medical Benefits in Florida Workers’ Compensation Claims
Medical benefits provide coverage for the costs of treatment related to your on-the-job injury. This includes:
- Hospitalization (if necessary)
- Doctor’s visits
- Diagnostic testing
- Surgical procedures
- Medical supplies
- Prescription medications
- Physical therapy
- Travel costs for doctor’s visits and trips to the pharmacy
Importantly, in order to receive medical benefits (and to preserve your workers’ compensation rights in general), in Florida you are required to see a doctor who has been pre-approved by your employer. If you are not satisfied with the doctor to whom you are sent, you are entitled to request a one-time change. Your entitlement to medical benefits will continue until you reach maximum medical improvement (MMI), as determined by your workers’ compensation doctor. From this point forward, you can still obtain necessary treatment (i.e. pain medications) with partial workers’ compensation coverage, but you will need to pay a co-pay.
Wage Replacement (Disability) Benefits in Florida Workers’ Compensation Claims
If you are unable to work as a result of your job-related injury for seven days or longer, then you are entitled to wage replacement benefits in addition to your medical benefits. Your wage replacement benefits will begin on the eighth day of your disability, unless you are unable to work for 21 days or longer, in which case you are entitled to wage replacement benefits from the day you got injured.
Wage replacement benefits can be either full or partial, and they can be either temporary or permanent. Full wage replacement benefits are generally calculated as two thirds of the injured employee’s weekly wage, although there is a cap for high-earning employees. Partial wage replacement benefits are paid when an employee is able to work in some capacity, but is required to take a lower-paying job as a result of his or her injury. Temporary benefits are paid until you reach MMI, while permanent benefits are paid until age 75 (or for five years if the injury occurs after age 70).
What Death Benefits are Available to Families of Employees Who Have Been Killed in Job-Related Accidents?
When an employee suffers a fatal injury on the job in Florida, his or her family is entitled to receive death benefits under Florida’s workers’ compensation law. These benefits are capped at $150,000, and they include:
- Up to $7,500 in funeral expenses;
- Wage replacement benefits paid to eligible dependents; and,
- Educational benefits to the surviving spouse.
In most cases, eligible dependents will include the victim’s spouse and children. The victim’s spouse is entitled to wage replacement benefits equal to half of the victim’s weekly wage (subject to a statutory maximum), and this increases to two thirds of the victim’s weekly wage if there are surviving children. If the victim was not married at the time of death, then his or her children are each entitled to wage replacement benefits calculated as one third of the victim’s weekly wage. Dependent parents, siblings and grandchildren can claim death benefits under Florida’s workers compensation law as well.
What Should I Do if I Believe I Am Entitled to Workers’ Compensation Benefits?
If you believe that you may be entitled to workers’ compensation benefits as the result of a job-related injury or death in Fort Lauderdale, what should you do?
If you have not done so already, you should report the accident to your employer (or your loved one’s employer) promptly. Under Florida law, you only have 30 days to file an accident report, and you do not want to wait any longer than necessary. It is also important that you speak with a workers’ compensation lawyer as soon as possible, as an experienced lawyer will be able to help you avoid potentially-costly mistakes while dealing with your claim on your behalf.
Contact Fort Lauderdale Workers’ Compensation Lawyer Joseph Maus
To learn more about the steps involved in filing a workers’ compensation claim in Florida, schedule a free, no-obligation consultation with Fort Lauderdale workers’ compensation lawyer Joseph Maus. Call 855-999-5297 to request an appointment, or tell us how you would like to be contacted and we will be in touch with you shortly.