Florida’s workers’ compensation system offers benefits to employees who suffer work-related injuries or illnesses. The program is regulated by the Florida Division of Workers’ Compensation, part of the Department of Financial Services. It ensures that workers can receive medical care and wage benefits while protecting employers from lawsuits.

Who Needs Coverage?

In Florida, most employers with four or more employees must carry workers’ compensation insurance. Construction businesses are required to provide coverage if they have one or more employees, including the owner. Agricultural employers with six regular or 12 seasonal workers must also comply.

What Benefits Are Provided?

Injured workers may be eligible for:

• Medical treatment for work-related injuries
• Temporary total disability (TTD) for time off work
• Temporary partial disability (TPD) if they return with restrictions
• Permanent impairment benefits
• Vocational rehabilitation services
• Death benefits for surviving dependents

Reporting an Injury

Workers must report their injury to their employer within 30 days. The employer is then responsible for reporting the injury to their insurance carrier within seven days. Late reporting could result in the denial of benefits.

Medical Treatment Rules

Employees must see a doctor approved by the insurance company, unless it’s an emergency. The insurer covers authorized treatments, therapy, medications, and necessary procedures.

Claim Disputes

If a claim is denied or delayed, workers can file a petition with the Office of the Judges of Compensation Claims (OJCC). Mediation is typically the first step before a formal hearing. Legal representation is allowed and often helpful.

Statute of Limitations

In most cases, a claim must be filed within two years of the injury date. If benefits have already been paid, there is a one-year limit from the last payment or authorized treatment to file for further support.

Covered Injuries and Illnesses

• Acute injuries from accidents
• Repetitive stress injuries like carpal tunnel
• Hearing or vision loss
• Respiratory problems due to toxic exposure
• Mental health conditions (only if accompanied by a physical injury)

Legal Help for Workers

It’s wise to speak with a workers’ comp attorney if:

• Your claim is denied or delayed
• You’re pressured to return to work too soon
• You suffer a serious or long-term injury
• You’re not receiving the benefits you believe you’re owed