Workers' Compensation benefits are available to every employed person in the State of Florida unless the employer has opted out of the system or the employer has less than 2 employees and has filed a certificate of exemption.  Workers' Compensation  is a no fault systems, meaning that it does not matter whether the  injured employee was partially at fault for the injury occurring.  If you have been injured while working you are entitled to benefits provided by the insurance carrier or directly from the employer if uninsured.

Although fault does not play a role in being elgible for benefits, the types of benefits that are available are limited to loss of wages, medical  treatment and statutory compensation for permanent injuries.  Wage loss benefits are limited to 2/3 the weekly wage immediately preceeding the accident.  This wage loss is only paid while a doctor which the insurance company is paying for indicates that you cannot work at all or can work with restrictions.  The insurance carrier also only has to pay you while out of work for a period of 2 years of missed time  from the date of accident.  After the 2 year period the insurance company is only responsible for a statutory determined payment based on the injury and whether it amounts to a permanent impairement.  The insurance carrier is responsible for medical treatment due to the accident and those benefits must be provided for as long as necessary and related to the original accident.  For answers to your questions click the menu choice on the left and read our FAQ.