Skip to content

What Does PEO Mean in Workers Comp?

PEO stands for Professional Employer Organization. This is a business arrangement between an employer and a PEO. The PEO handles the workers’ compensation coverage for the business. In this setup, the PEO handles workers’ comp insurance. It covers medical costs and lost wages from work-related injuries or illnesses.


The business pays for this program. The PEO’s role includes filing claims, processing payments, and resolving disputes about workers’ comp benefits.


Also, PEOs often manage safety programs for employees. These PEO programs aim to reduce the costs of workers’ comp insurance and as a result, lower any risk. In some states, the PEO may be held liable for any injuries or illnesses that occur on the job.

In return for providing these services, the PEO typically charges a fee to cover their costs, as well as an administrative fee for managing the program.

The employer and PEO must agree upon the terms of the arrangement and sign a contract outlining their responsibilities, including any applicable fees. This contract should also include provisions for when and how the employer may terminate the agreement, as well as any dispute resolution procedures.

Once a PEO is hired, they assume responsibility for all aspects of managing employee benefits and liabilities, including maintaining records, responding to inquiries from employees or other stakeholders, and ensuring compliance with applicable laws. In addition, they may provide additional services such as payroll processing, tax filing, worker’s compensation insurance, and more.

These services can be a great way to reduce the administrative burden of managing employees while providing them with high-quality benefits that they may not otherwise have access to. However, employers should take time to research the PEO they are considering working with and make sure that they are a good fit for their business.

Additionally, employers should ensure that all PEO-related contracts are clear and provide sufficient protection in the event of any issues. With proper research and due diligence, partnering with a PEO can be an effective way to reduce overhead costs while providing employees with quality benefits.

In summary, PEOs enter into contracts with various businesses, taking on a share of employer responsibilities and rights. Stepping into this co-employer role, a PEO doesn’t just handle wages and taxes, but might also be the go-to for offering benefits and overseeing workers’ compensation coverage. It’s the PEO that maintains a working relationship with the employees, addressing any grievances, holding the reins when it comes to hiring, reassigning, and letting employees go, all while keeping employer records in check. In this kind of shared employment scenario, a touch of authority and control over the nitty-gritty of the work is wielded by each employer. Therefore, it only makes sense that the exclusive remedy doctrine throws a protective arm around both the PEO and the client.

What is The Relationship Between PEOs and Insurance Carriers, and How Might Workers’ Compensation Coverage Differ for Businesses That Use PEOs?

PEOs are able to provide workers’ compensation coverage through an insurance carrier that specializes in this type of protection. 


The PEO pays the premiums and is responsible for any claims related to workplace injuries or illnesses. Depending on the specific agreement, businesses may either pay a portion of the premium directly or have it included in the overall fee paid to the PEO.


This arrangement is beneficial because it allows businesses to outsource much of their risk management and employee benefits responsibilities to a third party, which can free up time and resources to focus on other areas of business operations. 


Additionally, as most states require employers to carry workers’ compensation insurance, partnering with a PEO ensures that businesses are in compliance with state regulations. 


Since the PEO is responsible for any claims related to workplace injuries or illnesses, they typically have a strong risk management process in place that can help minimize potential liabilities.


Finally, partnering with a reputable PEO can often result in lower premiums than what businesses might be able to find on their own since the PEO has more buying power due to its size.


By working with a PEO, businesses can also gain access to employee benefits packages that might otherwise be unavailable to them. In addition to offering traditional health insurance coverage and 401(k) plans, many PEOs provide other types of services such as payroll processing, time and attendance tracking, recruiting, and legal advice.


Finally, PEOs are responsible for complying with all state and federal regulations related to employment, meaning businesses can rest assured that they won’t face any penalties or fines for non-compliance.

Benefits of a PEO

Overall, partnering with a PEO can be extremely beneficial for businesses of all sizes looking to streamline their operations and reduce operating costs. 


By outsourcing many of the tedious and time-consuming tasks related to managing employees, businesses can save money and focus their energy on more important aspects of their operations. 

Additionally, PEOs are often a great resource for small businesses that don’t have internal staff or resources dedicated to HR functions. 


With all the advantages that come with working with a PEO, it’s no surprise that this type of arrangement has become increasingly popular in recent years. 


With the right partner, businesses can maximize their efficiency and minimize their risk while ensuring the satisfaction of their employees.


One key advantage of working with a PEO is that they can help businesses stay compliant with both state and federal laws. 


A PEO can provide access to specialized expertise in areas such as payroll, employee benefits, workers’ compensation, health insurance, and more. This can save businesses time and money by ensuring that all their HR operations are in compliance with the law. 


Additionally, PEOs can help businesses manage risk by providing them with customized policies and procedures to ensure they are protected from legal liability and compliance issues. Finally, PEOs can give businesses access to a range of employee benefits that would otherwise be too expensive or complicated for a smaller business to afford on its own.


In short, working with the right PEO partner can help businesses maximize their efficiency and minimize their risk while ensuring the best possible employee experience.


With careful research and a solid understanding of their company’s goals, businesses can choose the right PEO partner for their specific needs.

How To Get PEO Workers Compensation Insurance

The best way to ensure that you have adequate PEO Workers Compensation Insurance is to work with a reputable PEO provider. 


A good PEO will have access to various carriers, giving you the ability to compare rates and coverage levels in order to find the best match for your business.


To start, companies should be sure to ask potential partners about the services they provide, such as payroll processing, HR consulting services, risk management, and employee benefits. 


They should also inquire about the pricing structure and any additional fees.


Businesses should research the PEO’s track record of success to determine how reliable they are and if they have any notable customer testimonials. 


By doing their due diligence, companies can find a PEO partner that will help them achieve their goals while managing risk in a cost-effective manner.


Once an appropriate partner has been identified, both parties should establish clear expectations and agree on the terms of their relationship.


It is important that all relevant stakeholders are aware of the PEO’s role and responsibilities, as this will ensure that everyone understands how the partnership works and what each party’s respective obligations are.


Moreover, the terms should be laid out in a legally binding contract so that there is no ambiguity about the relationship.


Finally, companies should monitor their PEO partner’s performance to ensure that they are meeting their obligations and that all agreed-upon deliverables are being achieved. This will also give businesses an opportunity to identify any areas where the PEO could improve and adjust accordingly.


Overall, establishing a successful partnership with a PEO requires careful planning, communication, and continual oversight to ensure that both parties are getting the most out of the arrangement. 


With clear expectations in place and effective monitoring protocols, companies can rest assured that their relationship with the PEO is a mutually beneficial one. With the right PEO partner, businesses can enjoy a streamlined workflow and improved human resources management while saving time and money.


It is important to remember that a PEO relationship is not like a traditional employer-employee relationship.

How Long Does it Take to Settle a Workers Comp Case in Florida?

If you’ve ever been injured while working in the Sunshine State of Florida, you know that both worry and confusion can quickly set in when it comes to filing for workers compensation. 

How much time will this take? What are the factors involved? Who pays for medical bills? When will I be able to return to work? 

With all the questions raised by these issues, it’s no wonder few workplaces devote much time or effort towards teaching their employees what they need to know about workers comp. 

It’s important to understand how long the process typically takes, and thankfully we’re here with answers on “How long does it take to settle a workers comp case in Florida?” 

Let’s start digging into all those questions so everyone from business owners and management teams to individual construction crews are up-to-date on everything involved!

How Much Time Does it Take to Settle a Workers Comp Case?

The timeline for filing a workers’ compensation claim in Florida is generally around 40 days from the date of injury. This time frame can vary, however, depending on the type and severity of your injury as well as the amount of paperwork required to process your case.


There are a few steps you’ll need to take before your workers’ compensation case is settled. These include filing a claim with the state, obtaining medical attention and documentation, submitting evidence to prove that your injury was work related, and providing proof of lost wages or future disability benefits. 


It’s important to note that if you are unable to receive medical attention for your injury due to any reason, the process may be delayed. Additionally, if your employer disputes your claim or fails to respond in a timely manner, the timeline for filing and settling your case may be extended.


It is important that you follow up with all necessary parties throughout the process to ensure that everything is being processed correctly and within the allotted timeframe.

What Are Factors that Determine How Long it Takes to Settle a Workers’ Comp Case?

Workers’ compensation settlements are affected by a number of factors.


Such things as the severity of your injuries, if there’s dispute over who is responsible for them, and whether you have legal representation can all play a role in when you’ll be receiving payment.


In addition to these factors, the actions of all parties involved — including yourself, your employer’s insurance provider, and your lawyer — are essential in helping determine how quickly you will receive your settlement.


It is important that everyone works together throughout the entire process to make sure that a resolution is achieved efficiently and effectively.

Who Pays for Medical Bills When You Have Workers Comp?

Workers in Florida whose injuries have been covered by workers’ compensation insurance don’t need to worry about having to pay the bills for their medical care. 


From standard check-ups at a clinic, an MRI scan or treatment with surgeons and therapists – all necessary costs are fully taken care of!


This is because when you make a workers’ comp claim, the employer’s insurance company is responsible for providing financial assistance to cover medical expenses related to the accident or injury.


Your employer’s insurer will pay out whatever is deemed necessary for your well-being, including:


  • – Visits to any physicians and specialists
  • – Prescription and over-the-counter medications
  • – Testing, such as X-rays, MRIs and CAT scans
  • – Surgery or other necessary medical procedures
  • – Physical and occupational therapy
  • – Psychological counseling
  • – Travel costs to get to your medical appointments.


It is important to remember that the insurance company’s responsibility.

When Will I be Able to Return to Work?

When you are medically cleared to return to work, your employer is obligated to offer you a position that accommodates any restrictions your physician has placed on you. This could mean offering an alternative job or modified duties. If no such positions are available, then your employer must provide retraining so you can qualify for another job within the company. If retraining is not available or feasible, your employer must offer you a severance package.


The length of time you may need to be away from work depends on the severity and type of injury as well as the individual’s medical condition. Your doctor will ultimately decide when it is safe for you to return to work, so it is important to follow their instructions and advice.


Additionally, you should also keep your employer informed of any changes in your medical condition and discuss what accommodations, if any, may be necessary for you to return to work. 


Your employer is required by law to provide reasonable accommodation for you, so it is important that they are aware of the restrictions placed upon you. Depending on the extent of your injury, this may include providing modified work tasks or allowing for extra rest periods.


Be sure to keep a record of all communications you have with your employer regarding your medical condition and any accommodations provided.


Even if you are unable to return to work, your employer must still provide you with reasonable accommodation in order to protect your rights.


Finally, if you are unable to find an acceptable solution with your employer, you may wish to contact the US EEOC for further assistance. The EEOC provides a variety of resources and services for individuals who have experienced workplace discrimination or other violations of their rights. They can provide guidance and legal advice in order to help protect your rights.

What Three Types of Issues Are Not Covered by Workers Compensation?

Most businesses have some degree of risk associated with them, and workers compensation is a way for employers to protect their employees in the event of an on-the-job injury. But what happens when an employee gets injured outside of their normal job duties? 

Are they still eligible for workers’ compensation benefits? Let’s take a look at some of the scenarios that may arise and how they could affect workers comp claims.

1 - Does Workers Comp Cover Traveling Employees?​

If an employee is traveling for work, they are typically still covered by workers comp even if they don’t sustain a work-related injury while on the trip.


This goes back to the idea that anytime an employee is performing any kind of duty in service to their employer, they should be covered. However, this also depends on the laws of your state or jurisdiction.

Here are some typical questions pertaining to employees who travel with regards to being covered by workers compensation insurance.

This goes back to the idea that anytime an employee is performing any kind of duty in service to their employer, they should be covered. However, this also depends on the laws of your state or jurisdiction.


Here are some typical questions pertaining to employees who travel with regards to being covered by workers compensation insurance.

Traveling employees who contract an illness or suffer from an injury while on the job must always follow specific guidelines for Florida workers comp. 


From ensuring that the injury doesn’t go unreported to notifying the employer as soon as possible and obtaining medical treatment, there are certain regulations that have been established in order to protect both the employee and employer. 


Although injuries sustained while traveling can be treated similar to other work-related incidents, there are differences in how they must be reported according to state laws and regulations. 


Knowing these is essential when navigating a workers comp claim if an illness or injury is contracted on the job.

Injured workers can be reimbursed for more than just medical expenses. From the comfort of their homes, they’re eligible to receive mileage compensation if they need to commute between home and doctor visits or physical therapy sessions. 


On top of that, trips to a local pharmacy will also be covered – providing extra relief in an already difficult situation!

Business travelers are often exposed to unexpected risks, from illnesses and weather events to pickpockets. 


To ensure the safety of your employees no matter where their work takes them, it’s important that you prioritize creating travel safety guidelines for all staff members on business trips. 


Invest in keeping them safe – they’re worth it!

In the unfortunate event of an accident or injury while on a business trip, it’s important to take swift action by notifying your employer and filing for workers’ compensation. 


Doing so will ensure you get the right care – both medical and financial – that is available in such cases.

2 - Does Workers Comp Cover Overtime Hours?

This one can be tricky because often times overtime hours require employees to perform jobs outside their typical scope.


If an employee is injured while working overtime hours, there might not be a case to be made for workers comp since this isn’t considered part of their normal job duties. 

It’s important for employers to clearly define what counts as overtime in order to protect themselves from workers comp claims when something like this arises.

In most cases, yes! Workers compensation does cover overtime hours. This means that if an employee experiences an accident or injury while working overtime, they may be eligible for workers comp benefits. 

It is important to note, however, that some states have different laws regarding whether overtime hours are covered by workers comp. Be sure to look into your state’s specific regulations before making any decisions about how your business handles workers compensation and overtime pay. 

It is also important to remember that while workers comp covers medical bills related to workplace injuries or illnesses, it does not cover all medical costs associated with an incident. 

For example, if an employee requires surgery as a result of their injury or illness but the surgery is unrelated to their workplace incident (i.e., they needed the surgery regardless of the incident), then those expenses will not be covered by workers comp insurance.

3 - Does Workers Comp Cover Employee Errands?

The answer is yes, but with some caveats. If an employee has been instructed by their employer to run an errand or perform a task as part of their job duties, then they may be covered by Worker’s Compensation if they are injured while doing so.


However, if an employee is running a personal errand on their own time and not at the direction of their employer, then they would not be eligible for Worker’s Compensation. 

For example, if an employee has been sent out by their employer to run some errands during work hours, then that would qualify as part of their normal job duties and any resulting injuries would be covered under workers comp. 

Again, it all comes down to whether or not the activity qualifies as part of the employee’s regular job duties and responsibilities.

Worker’s Compensation does not cover every instance where an employee runs an errand for their employer. 

To qualify for coverage under Worker’s Compensation, the following criteria must be met:  The employee must have been instructed by the employer to run the errand; The errand must be related directly to work duties; The injury must have occurred while performing the task; The injury must have been caused by a direct result of performing the task.  

Additionally, it is important to note that Worker’s Compensation only covers physical injuries or illnesses—it does not cover any other type of damage or loss sustained in connection with an errand. 

What Are Some Examples Of Tasks That May Qualify For Coverage Under Worker’s Comp?

While what qualifies as a “work-related task” can vary from state-to-state, below are some examples of tasks that may qualify for coverage under Worker’s Comp: Delivering documents or packages; Going to pick up supplies for the office; Making bank deposits on behalf of the company; Attending meetings offsite; Traveling out-of-state for work purposes.   

In general, anytime an employee is performing any kind of duty in service to their employer – regardless if it’s during regular working hours or not – they should be covered by workers comp if they get injured as a result. 


Employers must tread carefully when sending employees off-site or having them work outside of regular working hours so that they do not find themselves liable for any injuries sustained during these activities. 


Understanding your state and local laws regarding workers’ compensation will help you make sure you’re doing everything you can to protect yourself and your employees from any potential harm or injury that may occur while on the job.

What Are The Florida Workers Compensation Rules For Employers?

Employers operating in Florida need to provide workers’ compensation insurance for their staff. The amount and type of coverage is contingent on the industry, number of employees and entity organization – determining these requirements are easy with information from the Bureau of Compliance!

Workers’ compensation insurance is essentially a safety net that employers or businesses put in place to cover benefits for any injuries employees might sustain while carrying out job-related duties—though there are a few exceptions to note. In the sunny state of Florida, it’s not optional, but a legal requirement for the majority of employers to have this kind of coverage. When carrying a workers’ compensation policy, employees can breathe easy knowing they’ll be compensated for any injuries they pick up on the job, no matter who’s at fault, shielding employers from facing major legal actions as a result of a workplace injury.

If you’re an employee in Florida, it’s important to understand your rights and obligations under the state’s workers’ compensation law (FWCL).


Everyone with a work-related injury is entitled to certain no-fault insurance benefits – including salary replacement and medical expenses. 

The FWCL regularly audits employers across the state to guarantee that these programs are being provided. If for any reason you believe this isn’t happening at your workplace, our attorneys can help explore legal options available.

Companies that hire a minimum of six regular employees and have twelve seasonal workers who work for more than 30 days but no longer than 45 within the same calendar year must acquire workers’ compensation coverage.

Out-of-state employers need to ensure their insurance provider is aware they are conducting business in Florida!

Workers’ Comp Requirements For the Construction Industry

Business owners and corporate officers alike must take the necessary steps to ensure their employees are properly protected. 


When it comes to workers’ compensation, employers of one or more individuals – including themselves if they’re a Limited Liability Company (LLC) member/corporate officer – should familiarize themselves with 69L-6.021 Florida Administrative Code which lists all trades considered part of the construction industry requiring coverage.


For any project to be completed, contractors must check that all sub-contractors hold the necessary Workers’ Compensation Insurance – failure to do so leaves them liable for injuries, illnesses or fatalities of their workers. 


For a list of relevant documentation requirements as outlined in Florida Administrative Code 69L-6.032.


When workers are employed by a sub-contractor, they may not be protected in the case of an injury. In such circumstances, if something unfortunate were to happen on the job site, responsibility for paying benefits falls onto the contractor – resulting in potentially costly consequences.

Workers Comp Requirements for the Non-Construction Industry

All businesses that employ four or more individuals, including business owners and officers of LLCs, are legally required to invest in Workers’ Compensation Insurance. 


However exceptions exist for non-construction industry Sole Proprietors and Partnerships who can choose whether they want coverage by filing the appropriate form with their local Division of Workers’ Compensation.

What Injuries Are NOT Covered By Workers' Comp?

It’s important to know what instances are not covered by workers’ compensation. 


Generally speaking, any injury or illness that is intentionally self-inflicted or caused by illegal activity won’t be eligible for coverage. 


The same is true if the injury has been sustained while engaging in prohibited activity, or if it happened while someone was under the influence of drugs or alcohol. 


Injuries that come about as a result of horseplay, hostilities between employees, and altercations with non-employees are also not typically covered by workers’ comp either. 


Lastly, those that happen away from work, unless the employee was expected to do their job offsite, will rarely qualify. Thankfully, there’s plenty of information available online to help you determine if your particular situation will be eligible for workers’ comp so you can make an informed decision on what steps to take next.

What is The Minimum Payroll for Workers Compensation in Florida?

In Florida, workers compensation is a form of insurance that covers medical expenses and partial wage replacement if an employee gets injured or becomes ill in the workplace. 


Florida employers must adhere to a maximum weekly compensation rate for any employee who suffers from an occupational injury or illness. 


To stay compliant with the state law (440.12(2) of the Florida Statutes), this amount is set at 100% of the average wage across all industries statewide, conveniently rounded off to the nearest dollar!

How Long Does an Employer Have to Report a Workers Comp Claim in Florida?

If you’ve suffered an injury at work, it’s critical to report the incident within seven (7) days of your employer learning about it. 


Doing so in a timely manner ensures that any claims made will be approved – if reported beyond thirty (30) days, they may not qualify for coverage!

Can an Employer Fire You While on Workers Comp in Florida?

In Florida, employers typically have the power to end an employee’s contract without warning. However, workers are protected if they choose to pursue their right for compensation due by filing a claim; no employer is allowed terminate them as retribution.


Under What Circumstances is an Employer is Not Liable to Pay Compensation to The Workers?


Have you ever wondered when employers are exempt from providing worker compensation? Knowing the circumstances in which businesses do not have to give out such payments can help both employees and their supervisors understand what is required of them.


Employers have some exemptions when it comes to providing compensation for an injury sustained by their employees – such as if the employee is not disabled or incapacitated in any way beyond 3 days, and/or the incident was caused through drug and alcohol consumption.

What is Not Considered a Work Related Injury?

If an injury or illness arises in the workplace, it may not necessarily be considered work-related and therefore would fall outside of recordable situations. 


Certain exceptions can apply if certain criteria are met.


Protecting employee safety is essential, however there are certain criteria that do not require you to record injuries and illnesses. The following are examples:

1- An employee recently experienced an injury or illness while present in the work environment not as a staff member, but instead simply as part of the general public.


2- At the time of the injury or illness, the employee was present in the work environment as a member of the general public rather than as an employee.


3- Work-related injuries and illnesses are often the result of an event or exposure during work hours, but sometimes they can originate from a different source. Signs and symptoms may appear in the workplace even if their cause is external to it.


4- Participating in a wide variety of activities such as blood donation, physicals and flu shots can be great for your wellbeing – but sometimes these voluntary programs may lead to an injury or illness. From exercise classes and racquetball to baseball games; make sure you take the necessary precautions before joining any recreational activity!


5- Employees’ personal pursuits that occur outside of their job duties may result in unexpected injuries or illnesses while they are on the premises. Employers must take extra precautions to ensure safety, regardless of the time spent at work.


6- A wide variety of injuries or illnesses acquired during working hours can be covered by workers’ compensation insurance—unless, that is, the ailment was caused simply through personal grooming practices, self-medicating for a non work-related condition, or intentionally inflicted upon oneself.


7- Mental illness can have a direct impact on an employee’s ability to achieve success at work. However, for it to be considered as such, the individual must present unbiased evidence from a licensed psychiatrist or psychologist demonstrating that their condition is job-related.


8- A workplace injury or illness is not restricted to the office — it can be caused by a motor vehicle accident while commuting to and from work. This includes accidents on company parking lots or access roads!


9- The common cold or flu can be pesky health nuisances, but they’re minor compared to much more serious contagious diseases like tuberculosis, brucellosis, hepatitis A, and the ever-dreaded plague. Luckily though – if an employee becomes infected at work with any of these dangerous illnesses it will still fall under a workplace-related illness.

Why Get Workers’ Comp?

Regardless of whether you have one employee or 500, almost every employer in the state of Florida is required to provide workers’ compensation insurance for their employees. 


Failing to do so can result in some pretty hefty penalties. The good news is that OCMI can help you get the best workers’ comp coverage for your business at the most competitive rates. 


Give us a call today and let us help you protect your business and your employees.

An Overview of Workers Compensation in Florida

How Does Workers Compensation Work in Florida?

As an employer or business owner in the state of Florida, it is important to understand the requirements and regulations of workers compensation. 

Workers compensation is a type of insurance that provides coverage for medical expenses and lost wages for employees who are injured on the job. Knowing the ins-and-outs of workers compensation can help you make sure that you have the coverage you need so your business is protected if an accident were to happen.

What Does Worker’s Comp Cover?

Injuries, accidents, and illnesses can happen in any workplace. That’s why it’s important to understand what worker’s compensation covers and how to protect yourself and your employees in the event of an accident. 


Let’s take a look at some of the basics of worker’s compensation. 


Workers comp covers medical expenses and lost wages incurred by an employee as a result of an injury or illness sustained while at work. 


If a worker requires surgery or physical therapy as a result of their injury or illness, then these costs will be covered by workers comp. 


Generally speaking, most states require employers to provide some form of worker’s compensation insurance coverage for their employees.


This type of insurance provides coverage for medical expenses and wage replacement if an employee is injured while on the job or becomes ill as a result of their work duties. It also covers death benefits if a worker dies due to a job-related injury or illness. 


Some states also cover psychological injuries such as stress and anxiety caused by the work environment, while other states do not offer this type of coverage at all. Again, it is important to review your state law before making any decisions about how best to proceed with an injury or illness claim.  


Additionally, if an employee needs to take time off from work due to their injury, workers comp will cover any wages they may have lost during their absence.

Medical Workers Comp Coverage:

If you’re an employer, you’ll want to know why medical workers comp coverage is essential for the safety and protection of your employees.


This type of insurance helps cover the medical costs associated with any work-related injuries or illnesses that occur while on the job. So, let’s take a look at how this coverage works and what it covers. 


Depending on where you live, worker’s comp may cover doctor visits, hospital stays, surgery costs, rehabilitation costs for physical therapy or occupational therapy services, prescription drugs related to the injury/illness (or generic versions), mileage costs associated with getting treatment for the injury/illness (if applicable), and other medical expenses related directly to treating the injury/illness.  


Every state has different laws when it comes to workers comp coverage. It’s important that employers understand exactly what their state requires in order to stay compliant with all applicable regulations. 


For example, some states require employers to purchase workers comp insurance if they have more than five employees while other states only require employers with more than nine employees to do so. 


Additionally, some states will only require employers to pay for medical expenses related to work-related injuries and not lost wages or death benefits. It’s important that employers familiarize themselves with all applicable state laws before deciding which type of coverage best meets their needs. 


Having a comprehensive understanding of medical workers comp coverage is essential for any employer looking to protect their business and its employees from potential risks associated with occupational illnesses or injuries. 


Make sure you research all applicable state laws regarding this type of insurance, as well as shop around for the best program based on your company size and budget limitations before settling on one plan in particular. 


Taking the time now can save yourself from costly problems down the road should an employee experience an incident related to their work duties or environment!

Workers Comp Wage Replacement

Worker’s comp may also provide wage replacement if an employee is unable to work due to an injury or illness sustained on the job site


This type of coverage typically replaces up two-thirds of an employee’s salary while they are away from work recovering from their illness or injury until they are able to return back full-time without restrictions set forth by their doctor(s). 


However, there is usually a maximum amount that can be received per week.


Depending on the situation, these costs can add up quickly; however, they are necessary in order for employees to make a full recovery and return to work as soon as possible. 


The other important aspect of workers’ comp wage replacement is that it provides job protection for injured employees during their recovery period. 


Employers are not allowed to fire or demote an employee due solely to their disability status—once healed, workers must be returned into their original job position at their previous salary rate. This ensures that injured employees do not have anything else added onto their plate while they are recovering from their injury or illness. 


Workers’ comp wage replacement is a valuable benefit for both employers and employees alike – it provides much needed support during difficult times without sacrificing job security or wages down the line. 


By understanding how this type of coverage works, businesses can ensure they are providing adequate care and protection for all of their staff members in case of unfortunate events such as injuries or illnesses on the job. 


Furthermore, businesses should always keep up with any changes in applicable state laws regarding workers’ comp wage replacement, so they remain compliant with all regulations and continue offering appropriate coverage for all employees.


If a worker dies due to a job-related injury/illness then certain benefits may be paid out depending on where you live; these benefits usually include funeral expenses along with additional death benefit payments.

When Is Worker’s Comp Required?

In Florida, employers must purchase workers compensation insurance for any business with four or more employees who are paid on a regular basis—including part-time and seasonal employees. 

This includes salaried employees as well as hourly wage earners. Businesses with fewer than four full-time employees do not need to purchase workers compensation insurance, but may choose to do so voluntarily.

How Do I File a Workers Comp Claim?

If an employee has been injured while on the job, they can file a claim with the Division of Workers Compensation in Florida. 


The process begins when an employee completes Form DFS-F6-DWC-12 (Notice of Injury/Illness). This form must be completed within 30 days after the injury occurs, otherwise it may be denied by the Division of Workers Compensation. 


Once this form is submitted, it will be reviewed by either an administrative law judge or claims administrator who will decide whether or not to approve the claim and how much money should be awarded to cover medical expenses and lost wages.


Workers compensation is essential for businesses with four or more full-time employees in order to protect them against accidents and illnesses that occur at work. 


By understanding what workers comp covers and when it is required, employers can make sure that their business has adequate coverage if there were ever to be an accident onsite. Additionally, filing a claim is relatively straightforward; however, it must be done within 30 days after the incident takes place in order for it to be accepted by the Division of Workers Compensation in Florida.


Once you understand your state laws and requirements, you can begin shopping around for the right program for your business. 


There are many different types of programs available based on your company size and budget preferences, so it’s important that you find one that meets both your needs and those of your employees. 


Additionally, make sure that you understand exactly what is covered by each program, so there are no surprises later on down the road should an employee get injured or ill due to a workplace situation.

What is Not Considered a Work Related Injury?

If an injury or illness occurs while at work, it doesn’t always have to be considered job related! Certain exclusions apply, such as if the event was not caused by a workplace hazard and did not involve working conditions.

In short, if an injury or illness wasn’t caused by a specific incident or exposure at the workplace but merely showed symptoms while on the job, it isn’t considered work-related.

Nine Situations Where an Injury or Illness is not Eligible for Workers Comp
1. The Employee Was Not on The Job When They Got Injured

When an employee gets injured on the job, it can be a stressful experience for everyone involved. 


For the employee, there is concern about their ability to perform their duties and whether or not they are entitled to workers’ compensation benefits.


For employers and construction companies, understanding the cause of injury and how best to protect employees from similar occurrences in the future can seem like an overwhelming task. 


Most businesses have some degree of risk associated with them, and workers compensation is a way for employers to protect their employees in the event of an on-the-job injury. But what happens when an employee gets injured outside their normal job duties? 

What Is Not On The Job?

Not on the job (also known as “non-work related”) is a term used to describe any activity that occurs outside of an employee’s regular working hours or that is not related to their role in the company. 


This can include anything from participating in recreational activities to taking sick leave or vacation days. Not on the job activities are important to consider when it comes to employee safety and health. 


Are they still eligible for workers’ compensation benefits? Let’s take a look at some of the scenarios that may arise and how they could affect workers comp claims:

Off-the-Clock Injuries

If an employee is injured while performing duties that are related to their work, even if they are off-the-clock, then their employer may be liable for any resulting damages or losses.

For example, if an employee is asked by their supervisor to run a quick errand for the company and gets into an accident while off-the-clock, then their employer may be liable for any injuries incurred during that errand.

This applies even when the employee has left their worksite, as long as they were performing a task that was requested by their employer.

Onsite Injuries

If an employee is injured while performing duties that are related to their work, even if they are off-the-clock, then their employer may be liable for any resulting damages or losses.

For example, if an employee is asked by their supervisor to run a quick errand for the company and gets into an accident while off-the-clock, then their employer may be liable for any injuries incurred during that errand.

This applies even when the employee has left their worksite, as long as they were performing a task that was requested by their employer.

Workplace Safety Requirements

When evaluating cases where employees have been injured off-the-clock or during non-work activities, employers should also consider any workplace safety requirements that have been put in place by OSHA and other organizations. 


These requirements may provide guidance on how employers should handle situations where employees are injured off-the clock or during non-work activities and can help them make informed decisions about liability in these cases. 


In short, while employers may not always be liable when an employee gets injured off-the clock or during non-work activities, there are certain circumstances where they do hold some degree of responsibility for these types of incidents. 


As such, it’s important for business owners and high risk workers to familiarize themselves with all relevant workplace safety requirements so that they can make informed decisions about who should be held accountable in these situations. 


Doing so can help ensure that everyone involved receives proper compensation and/or medical care following any accidents or injuries that occur during working hours or outside of them.  

2. The Injury or Illness Does Not Result From Work-Related Events or Exposures

Understanding the Difference Between Work-Related and Non-Work Related Injury or Illness 

It can be difficult for employers to tell if an employee’s injury or illness is due to a work-related event or exposure. Understanding this difference is essential because it helps employers make accurate decisions about the resources they need to provide for the recovery of their employees. 

What Does Work-Related Mean?

Work-related injuries and illnesses are those that arise in connection with one’s employment. These can be physical, such as a slip and fall at work, or psychological, such as stress caused by a heavy workload. 


Employers must report any work-related injuries to the Occupational Safety and Health Administration (OSHA). However, not all injuries and illnesses are considered work related. To be classified as such, there has to be a direct link between the injury/illness and an event or exposure at work.  

Non-Work Related Injuries/Illnesses

Injuries or illnesses that do not result from any events or exposures related to the workplace are referred to as non-work related injuries/illnesses. 


These may include pre-existing conditions that were aggravated by workplace activities, injuries sustained during recreational activities, such as playing sports on weekends, or illnesses contracted outside of the workplace environment.  


In these cases, it is important for employers to understand which benefits may apply so that they can provide adequate compensation for their workers’ recovery time and medical expenses. 

Workplace Hazards & Prevention Strategies

It is important for employers to take preventative measures against potential workplace hazards in order to reduce the risk of serious injury or illness. 


This involves conducting regular safety inspections of all areas of your facility; implementing hazard prevention plans; providing safety training sessions; ensuring proper protective gear is available; ensuring employees have access to safe equipment; and staying up to date on changes in safety standards. 


Additionally, employers should also review their insurance policies regularly in order to ensure they are adequately covered in the event of an accident or illness caused by a workplace hazard. 


Understanding whether an injury or illness is work-related can help employers effectively manage their resources in support of their employees’ health and wellbeing. 


Businesses should take steps to protect against potential hazards through preventive measures like regular safety inspections and hazard prevention plans so that future incidents can be avoided altogether. 


Additionally, it is important for business owners to stay informed about changes in industry standards so that they can stay prepared in case of any unexpected accidents or illnesses within their facilities. 

Ultimately, taking proactive steps now will help you save time and money down the line when dealing with potential claims for workers’ compensation due to non-work related issues involving your employees.

3. The Injury or Illness Results From Participating in a Wellness Program or Recreational Activity.

Workers compensation provides coverage for employees who have suffered an injury or illness on the job. But what about injuries or illnesses that occur while participating in a wellness program or recreational activity? 

Understanding what is and isn’t covered by workers comp is important for employers and employees alike. Let’s look at when injuries are covered and when they are not. 

Wellness Programs Are Not Covered

Many employers offer wellness programs as a way to encourage employee health and well-being. These activities may include workouts, yoga classes, or other physical activities. 


It is important to note that if an employee gets injured while participating in one of these activities, it will likely not be covered under workers compensation insurance. 


This is because the activity was voluntary, and therefore not part of the employee’s job duties. 


Injuries or illnesses sustained by an employee participating in a wellness program, such as flu shots or physical examinations, are not covered by workers compensation unless it is required by law. 


Similarly, injuries or illnesses sustained from recreational activities such as racquetball or baseball are not covered unless it is part of a company-sponsored event. The same goes for any medical fitness activity such as exercise classes.

Recreational Activities Are Also Not Covered

If an employee decides to partake in a recreational activity outside of work hours, such as going for a hike on their own time, any resulting injuries will also not be covered by workers compensation insurance

Again, this is because it was voluntary and therefore not related to the employee’s job duties. However, there are some exceptions—if the employer encourages the activity or provides incentives for participation (such as offering prizes), then any resulting injuries may be deemed eligible for workers compensation coverage.

Injuries Sustained While Donating Blood

Injuries sustained while donating blood are also not typically covered under workers compensation insurance. This is because blood donation is considered to be an act of charity and thus does not fall within the scope of work-related activities. 

That said, if the employer encourages employees to donate blood and provides incentives for doing so, then the injury may be eligible for coverage depending on state laws. 

Injury From Pre-Existing Conditions

Workers compensation does not cover pre-existing conditions that were aggravated during work performance unless the injury was caused directly by work duties. 


For example, if an employee has diabetes but experiences an injury due to a slip and fall while carrying out their job duties, then they would likely be eligible for workers comp coverage since their diabetes did not directly contribute to the slip and fall incident itself. 


However, if the employee had pre-existing back pain that was aggravated due to lifting heavy boxes at work, then they would likely not be eligible for coverage since their preexisting condition was what caused them pain in the first place.            


Employees should understand what type of injuries and illnesses are eligible for workers comp coverage so they can protect themselves in case of an accident on the job or during off-hours activities. 


Wellness programs and recreational activities generally do not qualify for workers comp coverage unless specifically encouraged by the employer; otherwise, only injuries sustained during work hours may be eligible for benefits under this type of insurance program. 


Workers compensation can provide financial protection in case an employee gets injured or becomes ill while performing their job duties; however, there are certain exceptions based on specific circumstances. 


Injuries incurred during wellness programs, recreational activities like racquetball and baseball games (unless it’s part of a company sponsored event), donating blood (unless incentivized by employer), and pre-existing conditions are all considered ineligible for coverage under workers comp insurance policies in most states. 


It’s important to understand these exceptions so that you can protect yourself in case something unexpected happens while on the job!

4. An Injury or Illness That is The Result Of An Employee Eating, Drinking, or Preparing Food or Drink for Personal Consumption is Not Considered Work-Related.

Understanding Work-Related Injuries or Illnesses Involving Food and Drink 

It is widely accepted that injuries and illnesses occurring in the workplace are considered work-related. But what about when an employee eats, drinks, or prepares food or drink for personal consumption? 


Does this type of injury or illness also qualify as a work-related incident? The answer is no.

Why Eating, Drinking, and Preparing Food Are Not Considered Work-Related Incidents

When it comes to eating, drinking, or preparing food and drink at work, these activities are not considered to be “work” under the law. 


This means that any injury or illness that results from such activities is not considered to be a work-related incident. 


For example, if an employee cuts themselves while cutting up fruit for their lunch, they would not be eligible for workers’ compensation benefits as this type of injury does not satisfy the legal definition of “work-related”. 


This information should help employers understand when they must provide coverage for employees who suffer injuries on the job versus when such coverage is unnecessary. 


Additionally, employees should also understand their rights concerning these types of situations so they can make informed decisions regarding their health care options.

5. If An Injury or Illness is The Result of an Employee Doing Personal Tasks at The Establishment, It Is Not Covered by Workers' Compensation.

It is important to understand when an injury or illness sustained while at work is not covered by workers’ compensation. 


If an employee is injured or becomes ill due to performing a personal task, it may not be covered by the employer’s workers’ compensation insurance program.

What Constitutes a Personal Task?

A personal task is defined as any activity that is performed outside of the duties that are required of the employee in their job description. 


This includes activities such as shopping, running errands, picking up lunch, making personal phone calls, etc. 


These are tasks that fall outside of the job duties assigned to the employee and therefore can be classified as personal tasks.

Why Is An Injury or Illness Not Covered?

If an employee chooses to perform a personal task while on the clock, then they are taking responsibility for their own actions and any injury or illness resulting from those actions would not be covered under workers’ compensation. 


The employer should inform employees that if an injury or illness occurs due to performing a personal task, then they will not be eligible for any form of benefits or coverage under workers’ compensation laws.  


Additionally, employers should make sure to have clear policies in place regarding what constitutes a personal task and what does not. 


Employees should also be reminded that if they are injured while performing a non-work related activity, then they will be responsible for their own medical bills and other expenses related to their injury or illness.

6. If The Injury or Illness is a Result of Personal Grooming, Self-Medication For a Non-Work-Related Condition, or is Intentionally Self-Inflicted, It Is Not Work Related.
Personal Grooming Injuries or Illnesses

Injuries or illnesses resulting from personal grooming are not considered work-related. Personal grooming includes activities such as shaving, trimming nails, brushing hair, etc., that are done in preparation for or after a shift of work. 


For example, if an employee cuts themselves while shaving before their shift begins, this is considered a non-work-related injury. The same applies if they injure themselves while trimming their nails during their lunch break – it would not be considered work related. 

Self-Medication for Non-Work Related Conditions

Self-medicating with over the counter drugs (OTC) such as aspirin, ibuprofen, etc., to treat minor ailments that are not related to the job is also not considered a work-related injury or illness. 


For example, if an employee has a headache due to stress outside of the workplace and takes aspirin to ease the symptoms, this would not be classified as a work-related injury or illness. 


However, if an employee has been prescribed medication by their physician due to some type of job related condition (e.g., carpal tunnel syndrome), then this medication would be considered work related and should be reported accordingly.

Intentionally Self Inflicted Injuries/Illnesses

Intentionally self inflicted injuries/illnesses are also not considered work related. This includes any injuries/illnesses caused by intentional acts such as fighting with coworkers or intentionally harming oneself at the workplace (i.e., suicide). 


Any injuries/illnesses caused by these types of actions will not be covered under workers’ compensation insurance policies and employers may face legal action if they attempt to classify them as such. 

7. An Injury or Illness That Occurs on a Company Parking Lot or Access Road While an Employee is Commuting to or From Work is Considered a Work-Related Injury.
Work-Related Injuries and Illnesses on Company Property
What Counts as Work-Related?

For an injury or illness to be determined as work-related, it must occur on company property. 


This could include company parking lots, access roads, and sidewalks that are part of the company’s premises. 


Any incident that occurs on the way to or from work will not qualify as a workplace injury or illness unless it takes place on company property. 


This means if an employee is injured in a car accident while traveling to or from work outside of company grounds, this would not be considered a workplace incident.

Employee Compensation for Injury

If an employee is injured while commuting to or from work on company grounds, they may be eligible for worker’s compensation benefits such as medical care and lost wages due to inability to return to their job. 


The extent of these benefits will vary depending on the type and severity of the injury or illness sustained by the employee. 


For example, if an employee suffers minor injuries such as cuts and scrapes due to a slip and fall accident in a company parking lot during their commute, they might only receive medical care benefits whereas if they suffered more serious injuries like broken bones or head trauma they could receive additional benefits such as lost wages due to temporary disability. 


It is important for employers to ensure their employees understand their right to workers’ compensation in cases where they are injured while commuting on company property by providing clear information regarding policies related to this topic, when onboarding new employees and regularly informing existing staff members about relevant updates in the insurance program involving workers’ compensation coverage for commuting incidents.

8. A Contagious Illness is Considered Work-Related if The Employee Contracts it at Work.

For any business or organization, it is important to understand the requirements for recording injuries and illnesses within the workplace. 


Depending on the type of illness, there are certain guidelines that should be followed to ensure accuracy and compliance with legal regulations. 


The Occupational Safety and Health Administration (OSHA) has specific regulations regarding when an injury or illness must be recorded. 


According to OSHA Recordkeeping Guidelines, employers are not required to record injuries and illnesses if the illness is the common cold or flu (other than tuberculosis, brucellosis, hepatitis A, or plague). 


Other non-recordable illnesses include minor skin disorders that do not require medical treatment beyond first aid, nonspecific symptoms such as headaches, fatigue or dizziness that do not result in death, days away from work, restricted work activity or transfer to another job. 


However, if an employee’s cold or flu becomes more serious–such as requiring medical treatment beyond first aid–or results in death, days away from work, restricted work activity or transfer to another job then it must be recorded. 


Employers also must record any contagious diseases such as tuberculosis, brucellosis, hepatitis A, or plague if they are contracted by employees while working on the job.

9. Employees With Mental Illness Will Not Be Considered Work-Related Unless They Provide Their Employer With An Opinion From a Physician or Other Licensed Health Care Professional
Understanding When to Report an Injury or Illness of Employees With Mental Illness

Mental illness can be a difficult issue for employers to navigate. On one hand, it is important for employers to ensure the safety and well-being of all their employees, but on the other hand, there are certain laws in place that protect employees who have mental health conditions. 


One such law requires employers to record injuries and illnesses that occur in the workplace. However, this rule does not apply when it comes to injuries and illnesses related to mental health conditions. 


In these cases, employers need to understand when they must record and report incidents involving employees with mental illness.

Reporting Requirements for Injuries & Illnesses Related To Mental Health Conditions

It is important for employers to understand that they are not required to record injuries and illnesses if those injuries or illnesses do not arise out of or in the course of employment. 


This means that if an employee has a pre-existing mental health condition that becomes worse because of work-related stressors, then this injury or illness would be considered work-related and should be reported by the employer. 


However, if an employee’s mental health condition is unrelated to their job duties (e.g., a pre-existing depression), then the employer does not need to record or report it as a workplace injury or illness. 


In addition, employers should note that any injuries or illnesses related to mental health conditions must be confirmed by a licensed healthcare professional before they can be reported as such. 


This means that before an employer can report an incident involving an employee with a mental illness, they must obtain a medical opinion from either a physician or other licensed healthcare provider confirming that the injury or illness is work-related. 


Without this confirmation, any incident related to an employee’s mental health condition cannot legally be recorded or reported by the employer as a workplace injury or illness.

Work injuries are among the leading causes of disability in construction-related occupations, which is why it’s essential for employers to comprehend the dangers associated with these types of jobs. 




This blog post explores seven of the most commonly encountered work injuries that may occur in a construction setting, including falls and overexertion.



By understanding how such incidents can be prevented, business owners will not only create a safer workplace, but also reduce their downtime costs caused by employee recovery time from injury or illness as well.




Picture the crazy scenarios in the following story, that actually happen in everyday life situations—especially when you are on a construction site…




It has been a busy day for the construction team. Building a new office complex was no easy feat, and they were doing their best to get it done as quickly as possible. Everyone was pushing themselves to the limit, but in the rush of things, safety sometimes got overlooked.




The first injury occurred when one worker slipped while carrying some tools up a ladder and fell onto his back. He managed to escape with only minor scrapes, but it still hurt like heck! 




Next was an incident involving power tools; one team member accidentally cut himself while using an electric saw and ended up needing stitches. Luckily, he escaped with just three little ones along his arm!




Thirdly, came another tool-related mishap; this time someone dropped a hammer on their foot – ouch! They had bruised toes for days after that one! 




Fourth on the list of unfortunate incidents happened when a nail gun malfunctioned and shot out multiple nails at once; luckily none of them hit anyone directly, but they did cause quite an uproar among everyone present. 




Fifthly, we have another slip-up (literally!) – this time somebody stepped off their ladder too soon and tumbled right down into some wet cement – not fun at all…but thankfully they emerged unscathed aside from being covered head to toe in gray sludge!  




 Sixth was probably the weirdest accident of them all: A piece of metal that had been sitting atop scaffolding suddenly gave way without warning, sending it plummeting straight towards one unlucky individual’s head…fortunately he managed to duck just in time or else who knows what could’ve happened?!  




 Lastly there was yet another tool related problem; this time someone managed to jam their drill bit into wood so tightly that it simply couldn’t be removed no matter how hard they tried – eventually they opted for plan B which involved chiseling around it until finally managing to free the poor thing from its wooden prison cell! 




 All in all, these construction-related work injuries taught us an important lesson: always remember safety first even if you’re feeling pressed for time! This is why construction workers would greatly benefit from having workers compensation.




The following are seven common construction injuries that will help you consider getting workers comp insurance coverage sooner rather than later.

1. Falling On the Construction Job Site

Falling on a construction job site: it’s not just something out of a cartoon. While contractors may not always abide by Florida’s workers comp laws, trust us when we say that the last thing you want to find yourself doing is rolling down a ladder or tumbling through the air. 




It can happen so quickly and without warning—one second you’re secure in your work, and suddenly, you’re coming crashing to the ground. 




The contractors may view those exempted from workers comp regulations under certain circumstances as “lucky”. However, life isn’t always about having luck on your side – unfortunately for some contractors and their laborers, falling on a construction job site becomes way more than an amusing anecdote!

2. Power Tool Accidents on Construction Sites

Working in construction can be hazardous business, what with the volatile combination of contractors, power tools and deadlines. 




Power tools are one of the many work tools that make construction work easier and faster, but like any tool, it can be a hazard. 




Although power tools offer efficiency in work, they also come with a certain level of danger. These work related injuries resulting from power tool misuse or mishandling can easily result in claims for Workers Comp, so it pays to be extra safe when using them. 




While operating fiery saws and heavy-duty drills, you may feel like you’re the star of an action movie, but practice due diligence when working with construction power tools — overtime these injuries can add up!




While contractors would love to finish the job quicker and workers would love to go home sooner, one thing is certain—we all need to make sure that proper safety protocols are followed on construction sites.





After all, no amount of eagerness for another paycheck or day-off is worth the risk of a power tool accident, not to mention its associated cost – whether it be in terms of lost work hours due to injury or extra fees incurred after hiring a Florida workers comp lawyer. The key takeaway here? Be safe out there, contractors!

3. Electrocution Incidents on Construction Sites

For most construction projects, preventing work-related injuries is a top priority. However, the risk of on-site electrocution incidents is ever present. This makes investing in workers’ comp coverage to make sure your employees are taken care of if something does happen an absolute must. 




By having necessary work comp coverage in place, you can rest easy knowing that should any of your hardworking team be injured as a result of an electrocution incident on the work site, they will receive the care and compensation they deserve without breaking the bank. 




In other words – don’t take any chances with your employees’ safety when it comes to work-related injuries – get workers comp coverage!

4. Struck by Objects on Construction Sites

If you get injured on the job, having workers comp coverage is an absolute must! Even when working on construction sites and exposed to danger from being struck by objects, employers, and business owners must understand that any injured worker should be provided with coverage. 




Working on any kind of project can be risky business, and work injuries can come from the least expected places. For example, getting struck by a hammer or some heavy  object; always make sure the wayward projectiles are kept far away! 



If you find yourself in such a situation, take a step back, take some deep breaths, and consult a doctor if necessary – and never forget to thank your guardian angel for watching over you. After all, things could have been much worse.




This will not only benefit the injured worker in the short term, but also contribute to workplace safety for all. So, no matter what your profession—getting injured at work should always come with a silver lining of coverage!

5. Accidental Vehicle Injuries on Construction Sites

Construction sites tend to be notoriously dangerous work environments, and the most commonly reported work injuries are those involving vehicles. Being injured on a construction site can be disastrous. Accidental vehicle injuries are one of the main causes of work-related accidents, so workers must stay vigilant. 




Unfortunately, when it comes to accidents like this, the only upshot is that at least there are medical benefits available – like workers compensation in Florida – so that you don’t end up footing the bill for emergency surgery (which is much more expensive than a splint). 




Hopefully your work site has taken measures to reduce these sorts of injuries from happening in the first place since, as we all know, prevention is better than cure!




Still, even the most safety-conscious workers can find themselves in trouble – and when they do, workers comp coverage is essential to pick up the pieces. 




That’s why construction workers should seek out jobs with comprehensive workers comp coverage programs – it could save them from a serious financial headache or even bankruptcy if an accident happens. 




So remember: don’t forget workers comp coverage when you evaluate job prospects!

6. Construction Related Burns

Construction may look simple, but construction related accidents such as burns can be an ever present threat, and should never be taken lightly. 




The risk of construction-related burns is one example of the dangers associated with this activity, and it pays to take every safety precaution possible while working on any project. 




From electrical shock to fire hazards, construction injuries must always be taken seriously and managed safely – no construction related accident should end in a burn! 




Safety should always come first when working with construction-related materials and equipment; you don’t want a project to turn into a painful reminder of what could have been prevented.

7. Building Collapsing Injuries

Picture it: workers pouring concrete or bolting steel at the top of what should become someone’s perfect dream home. But then suddenly, with a crash and a rumble, that dream is shattered as the structure collapses in a heap of rubble. 




It’s an all too common occurrence when workers aren’t provided with workers comp insurance coverage for construction projects.




Without proper construction coverage, workers can be left vulnerable to grave injury or death when accidents occur.




While no amount of money could possibly be enough to make up for the loss of life, workers comp insurance coverage is nevertheless essential for those working in the construction industry.

Why Construction Companies Need Workers Compensation

If you’re a construction company, the last thing you want is your workers getting hurt on the job. Accidents happen, but if they’re injured while working for you, it could cost you big time. That’s why every construction company needs to have workers compensation insurance




If an employee is injured while working, they can get the medical treatment they need and won’t be putting financial strain on your company. 




PEOPAYGO will make sure you get the best possible rate for your workers comp program so that you can keep your business running smoothly – without worrying about what might happen if someone gets hurt on the job.

El seguro de compensación para trabajadores, también conocido como Workers’ Comp en inglés, es probable que se requiera para los empleadores con empleados.


En la mayoría de los estados, los empleadores necesitan un seguro de compensación para trabajadores si tienen más de un cierto número de empleados, excepto en Texas.


La mayoría de los empleadores en Texas no están obligados a llevar el seguro de compensación para trabajadores.



Es probable que usted tenga muchas preguntas sobre sus beneficios del seguro de compensación si alguna vez necesita presentar un reclamo. La más popular es: ¿Estos beneficios están sujetos a impuestos? 



En este artículo, discutiremos las excepciones a la regla, si los ingresos de la póliza deben ser reportados en una declaración de impuestos, y más.

Los Fundamentos Del Seguro De Compensación Para Trabajadores

Casi todos los estados gestionan sus propios programas de compensación para trabajadores, y cada uno de ellos establece sus plazos de presentación, primas y prestaciones.



Además, el estado determina si las agencias estatales y las compañías de seguros privadas pueden vender y gestionar las pólizas. 



Como consecuencia de accidentes laborales, lesiones, enfermedades, etc., la indemnización por accidente de trabajo puede cubrir los salarios perdidos, así como las prestaciones por fallecimiento y los funerales. 



Para recibir las prestaciones del seguro de compensación para trabajadores, debe seguir los siguientes pasos si tiene una reclamación elegible y su empleador está asegurado:



1- Independientemente de la fecha límite en su estado, debe informar de su lesión a su empleador lo antes posible. De acuerdo con la ley estatal en estados como Colorado, sólo tienes cuatro días hábiles para informar por escrito de una lesión para tener derecho a los beneficios completos.



2- Por lo general, hay una fecha límite de uno a dos años para presentar un reclamo en el seguro de compensación para trabajadores en la mayoría de los estados. Cuanto antes presente su solicitud, más rápido recibirá sus beneficios. Complete la documentación requerida con su empleador o departamento de recursos humanos.



3- Acudir a un proveedor médico antes de activar los beneficios del seguro de compensación para trabajadores es algo que su empleador puede requerir. Para mantenerlo protegido por la póliza, el Seguro Social también puede requerir que visite periódicamente a un proveedor de atención médica. En algunos estados, puede elegir el médico que desee visitar.



Si su accidente ocurrió mientras conducía a casa o hacía recados, su reclamo puede ser denegado. Las denegaciones también pueden ocurrir cuando la información de la solicitud está incompleta o cuando los informes de accidentes y las lesiones no coinciden, entre otras. Asimismo, recibirá una carta si su reclamo es denegado, diciéndole el por qué y brindándole información sobre cómo apelar.



Si su empleador no tiene seguro de compensación para trabajadores y usted se lesiona en el trabajo, ¿Qué puede hacer?


Dependiendo de su estado, usted puede ser elegible para un fondo de empleador no asegurado o puede necesitar de un abogado de lesiones personales si decide presentar una demanda. En la mayoría de los casos, los abogados ofrecen consultas gratuitas y sólo cobran si ganan su caso.

¿Fiscaliza El IRS El Seguro De Workers' Comp?

En general, los beneficios del seguro de compensación para trabajadores no están sujetos a impuestos, ya sean pagos quincenales o liquidaciones. Aunque estos beneficios son técnicamente ingresos, el IRS no los considera ingresos imponibles.



La publicación 525 del IRS afirma que “las cantidades que usted recibe como seguro de compensación para trabajadores por enfermedad o lesión laboral están totalmente exentas de impuestos si se pagan en virtud de una ley de seguro de compensación para trabajadores o un estatuto como una ley de seguro de compensación para trabajadores”.



Esto tiene sentido, teniendo en cuenta que los salarios perdidos que usted recibe ya tienen una tasa reducida.

La Excepción: Los Impuestos De Workers' Comp En El SSDI

Los beneficios del seguro de compensación para trabajadores generalmente están libres de impuestos, sin embargo, es posible que deba pagar impuestos en un caso.



Una persona con una discapacidad puede recibir ayuda financiera del Seguro de Discapacidad del Seguro Social (SSDI, siglas en inglés) si cumple con los requisitos del programa. Los beneficios del SSDI pueden estar sujetos a impuestos si se reducen por los beneficios del seguro de compensación para trabajadores.



En esencia, es la porción del SSDI de sus beneficios del seguro de compensación laboral.



Los beneficios del Seguro Social no se ven afectados por todos los beneficios públicos. El seguro de compensación para trabajadores no garantiza los beneficios, pero otros beneficios como el Ingreso de Seguridad Suplementario (SSI) y la Administración de Veteranos sí lo hacen.



Además, aún tendría que pagar impuestos sobre sus beneficios de jubilación del Seguro Social incluso si se jubiló debido a una lesión o enfermedad relacionada con el trabajo.


Solo los beneficios del seguro de compensación para trabajadores están libres de impuestos.

Workers' Comp Y SSDI: ¿Cómo Trabajan Juntos?

Supongamos que recibe pagos del seguro de compensación laboral junto con pagos por discapacidad de SSDI. En ese caso, puede recibir un máximo del 80% de sus ingresos promedio recientes antes de quedar inhabilitado.



Por ello, su beneficio de SSDI se reducirá para que sus beneficios totales no excedan el 80%.



Si recibe una indemnización por el seguro de compensación para trabajadores, también puede recibir una compensación del SSDI por el seguro de compensación para trabajadores. Si recibe uno, la Administración del Seguro Social (SSA) le pide que se comunique con ellos de inmediato.



Un abogado del seguro de compensación para trabajadores puede ayudarlo a estructurar su acuerdo para que su obligación tributaria para el año fiscal más reciente se minimice si su caso es complejo.

La Prevención Es La Clave Para Evitar Accidentes

Decidir si inscribirse en una póliza de compensación para trabajadores es personal e implica equilibrar costos y beneficios.



Para obtener más información sobre las leyes del seguro de compensación para trabajadores, hable con su agente de seguros.



Como Organización de Empleados Profesionales (PEO), P.E.O.PayGo lo ayuda a obtener su Seguro de Compensación de Trabajadores, paquete de nómina, recursos humanos, además de realizar todas las funciones agotadoras de una pequeña empresa, mientras ahorra tiempo y dinero.



Deje que nuestro Instaquote haga todo el trabajo, no necesitamos mucha información y solo toma 2 minutos.



Nuestro software hace todo el trabajo por usted. ¡Prepárese, esté listo y cubierto ahora!

Why should you pay more when you don’t have to? Overpaying for anything is never a smart thing.

Knowing which wages are subject to workers’ compensation insurance can save you money on workers’ comp premiums. If you fail to record all wages that are covered by workers’ comp, you will have to pay a large bill when your policy expires. But why? Despite that, you are underpaid for workers’ comp coverage.

In other words, what wages are covered by workers’ comp?

Here’s what you need to know about workers’ comp wages if you don’t want to pay a substantial lump sum.

What Are Wage Classifications?

To understand why this information is so relevant when it comes to calculating your workers’ comp premiums, let’s outline the wages on your payroll that are included (and excluded). 

When you buy workers’ comp insurance, you are typically provided with an estimated premium payment. Premiums are typically calculated using varying factors such as wages. Paid time off and bonuses are also considered.

What Wages Are Covered by Workers' Comp?

Knowing the different types of wages subject to workers’ comp allows you to calculate your premiums accordingly:


-Salary and wages including retroactive pay 


-Paid overtime at the employee’s base rate. 


-PTO includes holidays, vacations, and sickness days.


-You can also pay your employees commissions and draw against their commissions


-Bonus plans that include stock bonuses


-Employer payments 


-Payments to employees outside of time worked


-Hand tools or power tools payments 


-Apartment or housing accommodations 






-Store certificates, merchandise, and credits


-Payments for salary reduction, retirement, or cafeteria plans


-Davis-Bacon wages 


-Annuity plans


-Payment for commercial filming 


-Employee reimbursements 

Which Wages Are Not Covered By Workers' Comp?

On the other hand, some wages are not subject to workers’ comp, including:


-Employee tips 


-Employer payments to group insurance plans or pension plans, and third-party pension trusts 


-Particular rewards 


-Dismissal or severance payments 


-Active military duty payments


-Employee discounts 


-Payments for dinners 


-Work uniform stipends


-Sick pay to an employee 


-Employer-provided advantages


-Employer contributions to salary reduction


A workers’ comp audit may exclude reimbursed expenses and the cost of equipment that protects your employees from injury while on the job (except for hand and power tools) if all three of the following circumstances apply:


-The expense was necessary to operate the business 


-Your bookkeeping system shows and records an employee’s expenses individually


-The expenses you recorded for each employee match the total reimbursement for that employee

Do Workers' Comp Benefits Depend On Gross Wages?

Their gross wages determine employees’ compensation. All earnings, including paid time off and earned wages, are included in gross wages.  

Depending on the state, workers may receive a percentage of pre-tax wages when they receive claims payments. Workers in Washington, for example, receive 60 percent of their gross monthly wages through workers’ comp. Spouses receive 5 percent while dependent children receive 2 percent.

Who Is Covered By Workers' Comp?

Even though workers’ comp laws differ from state to state, most employers are required to provide their employees with workers’ comp insurance. A company’s requirements vary based on its nature, size, and the type of work its employees perform. 

You should be aware that every state defines a covered employee differently. You can visit FindLaw to find out who is covered by workers’ comp in your state. 

Does Workers' Comp Count As A Payroll Expense?

Worker’s compensation insurance is a payroll expense, just another cost of doing business. Your income statement typically includes workers’ comp costs.

Taxable income is usually what remains after expenses. 

Prevention Is The Key To Avoiding Accidents

You can save money by preventing accidents before they happen, improving employee morale, and lowering costs of insurance by preventing injuries before they happen. Be proactive if you don’t yet have a plan. As a leading small business insurer, PEOPayGo is a great option.

As a Professional Employee Organization (PEO), P.E.O.PayGo can help you get workers comp, bundle payroll, and HR, and perform all the headache functions of a small business, all while saving you time and money. Let our Instaquote do all the work, we don’t need much information and it takes 2 minutes. Our software does all the work for you. 

Get Ready, Set, and Covered Now!