Workers’ Compensation Insurance helps you provide medical care, long-term therapy, disability compensation, and lost wages to injured or ill employees should an accident occur at work. Workers’ Compensation laws vary from state to state.
How does Workers’ Comp work in The State of Florida? Well, let’s talk about it.
Who Requires Workers' Compensation In Florida?
According to The Florida Workers’ Compensation law:
- Non-construction businesses require a minimum of four or more employees; it also includes business owners who are corporate officers or Limited Liability Company (LLC) members.
- Construction companies require Workers’ Comp with only one or more employees. This includes business owners who are corporate officers of LLC members.
- Agricultural employers require a minimum of six employees. This coverage's also needed for and/or 12 or more seasonal employees that work for more than 30 days.
- If you are an Out-of-State employer with employees in Florida, you need to obtain Workers' Compensation Insurance from an insurer approved by the state.
- Before starting a project in The State of Florida, contractors should ensure they have Workers' Compensation coverage for self-employed or independent contractors.
What Workers' Compensation Covers In Florida
In The State of Florida, The Workers’ Compensation coverage of the employer may cover r medical and wage replacement expenses if a worker suffers an injury or illness at work.
Medical benefits include doctor visits, hospitalization, physical therapy, medical tests, and prescription drugs. Workers’ Compensation also covers travel expenses to and from authorized treatment centers and pharmacies in Florida.
When an employee is injured at work, he/she can receive wage replacement benefits. It is temporarily unable to work due to an injury or illness, he/she can receive temporary total disability benefits. And, when a doctor gives the green light to go back to work with restrictions, he/she can receive temporary partial disability benefits. A person can receive permanent impairment benefits if an injury or illness permanently causes physical, psychological, or functional loss.
Permanent total benefits are provided when the injury leaves a permanent and totally disabling condition. For deaths caused by workplace accidents, funeral expenses and dependency benefits are paid.
Benefits for lost wages under Workers’ Compensation begin on the eighth day of the injured worker’s inability to work.
Businesses in Florida are encouraged to provide employees with insurance coverage by Florida officials to reduce lawsuits against business owners.
As a result, your Workers’ Comp Insurance can:
- Provide medical coverage and lost wages for injured employees.
- Workers' Compensation Insurance also covers the employer's liability in the case of a lawsuit filed by an employee resulting from a work injury or illness.
- Ensure that you comply with Workers' Compensation laws.
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