This essay can brief you regarding workers’ compensation law. It can answer questions you have about how workers’ comp works, how benefits get distributed, and what to do if your employer or insurance company refuses to cooperate in a timely manner with your claim.
What does workers compensation provide?
Workers’ comp is a no-fault system that allows injured workers to claim benefits for wages lost and medical bills without having to resort to suing their employers. It was developed as a compromise system in the early 1900s to help de-clog the courts at the time.
Does this mean that I can never sue my employer?
No. But you likely won’t have to – unless, of course, your employer did something grossly negligent, like put you into a work situation that guaranteed that you would get hurt. Workers’ compensation is designed to help you get benefits in the simplest and fastest way possible.
When do I need to tell my employer about what happened?
As soon as possible. The faster you report your injury to your employer, the sooner you can file a claim. In fact, if you fail to report your accident, you could have trouble with your claim.
Do I need workers’ compensation insurance?
No. Unless you are an employer. The employer must have this insurance if he or she has four or more full or part time employees in Florida.
Will I be able to collect benefits, even if I was partially responsible for what happened?
You might be, although your benefits might be docked 25% or more, depending on the circumstances. Remember, the workers’ compensation system is a no-fault system – so even if you were partially negligent or careless – or your employer was partially negligent or careless – you should still be able to collect some or all of your benefits.
Can I get my money in a lump sum as opposed to installments?
You can. A judge of compensation claims will have to approve this settlement arrangement, and the insurance company may want to negotiate with you over it.
What if I suffered a long-term injury, such as an inhalation injury or typing injury?
As long as you got injured at your current job — and you can show that the occupational disease or injury was directly linked into what you were doing at work — you should have no problem getting workers’ compensation benefits.
What should I do if my insurance company or employer refuses to pay benefits or tries to settle for an amount that’s less than what I want?
Unfortunately, insurance companies tend to be stingy if not downright actively hostile towards claimants. Fortunately, you have leverage. The Ocala injury lawyers at Farah & Farah have a well schooled and battle proven team to help you fight back and get the settle amount that you deserve with the least hassle possible. To learn more about how the Farah & Farah team can help you, phone (352) 205-4023, or take a look at the firm’s track record, credentials, philosophy, and free informational resources at www.farah2017.wpengine.com.