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Whether you’re an employee or a business owner, workers’ compensation is crucial for protecting you financially in the event of a workplace injury. Getting hurt on the job can be incredibly scary as an employee. There’s a lot to navigate, and doing it all while you’re in physical pain can be challenging. The unknowns of the recovery process and fear about what will happen if you’re unable to work for an extended period can lead to immense stress.

 

For business owners, workers’ compensation is just as important. If an employee gets injured at work, workers’ comp insurance can help prevent you from paying out of pocket for their medical bills.

No matter your situation, workers’ compensation is great to have in place to help support you through the process. If an accident does occur, it’s a good idea to report it as soon as it’s safe to do so. Let’s dive into 5 benefits of early reporting in workers’ compensation claims.

1. Medical care can be provided right away

The highest priority should always be the safety and well-being of the injured employee. Don’t hesitate to get emergency medical care if it’s needed. Beyond immediate care, however, you may need ongoing support if you were injured on the job.

 

Reporting an injury as soon as it’s safe to do so means the workers’ comp claim process can get started. The sooner you initiate the claim, the sooner you can receive the financial compensation you deserve. It’s so important to get the ball rolling so that you can get the care you need, prevent further injury, and start the recovery process.

2. Having written documentation is imperative

Creating a paper trail is imperative for the workers’ compensation claim process. If you wait for weeks or even months to report your injury or symptoms, you run the risk of not getting coverage. Written documentation helps provide a timeline of events for the incident, and having documentation from a healthcare provider is a necessity to help prove your case.

3. The details will be accurate and in-depth

Often after an accident takes place, adrenaline is pumping and it can be difficult to remember exactly what happened and how it unfolded. You may forget crucial details that can help support your case. The sooner you report your injury or illness, the more details you’ll be able to remember. Accurate and detailed accounts of what took place are key factors in receiving the help you need after an accident at work.

4. You could reduce the cost of the claim

If you were hurt on the job, be sure to reach out for help as soon as you can. If you continue to work with your injury, it could potentially progress over time, making it even more difficult for you to work. Get the care you need as soon as you’re safely able to do so so that you can get the needle moving toward your recovery.

 

For business owners, reporting injuries right away can help prevent you from paying late fees or being penalized. Different states and businesses have different requirements for time limits on filing workers’ compensation claims. Be sure to report any incidents right away to ensure you’re within the specified timeframe.

5. You can protect your rights as an injured employee

If you’re hurt on the job, it’s important to report your injury right away to help protect your rights. The longer you wait, the more likely your employer or insurer will try to dispute your case. Arguments that the injury wasn’t that serious or didn’t occur while you were working could arise.

 

Keep in mind that though you may feel fine immediately after an accident at work, some injuries take time to surface. Get medical care as soon as you can if something happens on the job—even if you don’t feel pain at the time. Getting checked out by a medical provider is the first step in creating that paper trail that can help protect you financially.


Whether you’re an employee or a business owner, consider Florida workers’ compensation to help ensure you’re protected financially if an accident occurs.

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.

How Much Does an Employer Pay For Workers Compensation in Florida?

If you’re a Florida employee or business owner, you’ve probably heard about workers compensation – but do you know how much it costs to provide for your employees? 

 

There’s no one-size-fits all answer to this question, as the cost of workers comp varies depending on various factors and can be tricky to figure out. 

 

However, we’re here to make things easier—in this blog post, we’ll take a closer look at what employers in Florida are paying for their workers compensation coverage. Keep reading to find out more!

 

  1. What is workers compensation insurance and what does it cover?
  2. How much does an employer have to pay for workers compensation in Florida, and are there any discounts available?
  3. What happens if an employee is injured on the job or becomes ill as a result of their work duties?
  4. Are there any other types of insurance that employers should consider in addition to workers compensation insurance in Florida?

What is Workers Compensation Insurance and What Does it Cover?

Workers’ compensation insurance, also known as workers’ comp, is a type of insurance that provides financial and medical benefits to employees who are injured or become ill as a result of their job. This insurance is mandatory in most countries, including the United States, and is designed to protect both employees and employers.

Workers’ compensation insurance covers a range of expenses associated with a workplace injury or illness, including:

  1. Medical expenses: Workers’ comp insurance covers the cost of medical treatment, including hospital stays, doctor visits, prescription drugs, and rehabilitation.
  2. Lost wages: If an employee is unable to work as a result of their injury or illness, workers’ comp insurance will provide a portion of their lost wages to help them meet their financial obligations.
  3. Permanent disability: If an injury or illness results in a permanent disability, workers’ comp insurance can provide benefits to help the employee support themselves and their family.
  4. Death benefits: In the event of a worker’s death, workers’ comp insurance can provide benefits to the employee’s surviving family members to help with their financial needs.

It’s important to note that workers’ compensation insurance is a “no-fault” system, which means that employees do not need to prove that their employer was at fault for their injury or illness in order to receive benefits. This makes the process of receiving benefits quicker and easier for employees.

In conclusion, workers’ compensation insurance is a vital form of protection for employees who are injured or become ill as a result of their job. It covers a range of expenses and provides financial and medical benefits to help employees and their families recover from a workplace injury or illness.

How Much Does an Employer Have to Pay For Workers Compensation in Florida, And Are There Any Discounts Available?

In Florida, the amount an employer has to pay for workers’ compensation insurance depends on several factors, including the type of industry and the employee’s classification within that industry. Employers must purchase workers’ compensation insurance from a private insurance company or self-insure if they meet the requirements.

 

However, employers may be eligible for discounts on their workers’ compensation insurance premiums if they have a good safety record, participate in a safety program, or experience a decrease in claims. 

 

Additionally, Florida offers a discount for employers who have a low experience modification rate, which is a measure of an employer’s claims history compared to their industry peers.

 

In Florida, employees injured or made ill by their job are entitled to the maximum weekly compensation payment of 100% of the Statewide average wage – no penny pinching here!

 

For example, according to workerscompensationshop.com, Sole-Proprietors and Partners included in Workers’ Compensation coverage must meet a minimum payroll of $48,800 while Executive Officers within the same scope will need to be mindful that their payroll must stay between the range of $49,400-$145,600 for premium rating.

 

Floridians can now look forward to a higher level of compensation for work-related injuries or illnesses starting in 2022. As announced by the Florida Department of Economic Opportunity, anyone affected after January 1st will receive maximum weekly benefits up to $1,099 – providing greater security and protection for workers across the state!

 

It’s important for employers to carefully consider their workers’ compensation insurance options and to regularly review their coverage to ensure they are getting the best rate and the most comprehensive coverage. Employers may also want to consult with an insurance broker to help them find the right program and any available discounts.

What Happens if An Employee is Injured on The Job or Becomes ill as a Result of Their Work Duties?

If an employee is injured on the job or becomes ill as a result of their work duties, they should immediately report the incident to their employer. 

The employer will then initiate the workers’ compensation insurance claim process. The employee will typically be required to provide documentation of the injury or illness and may need to undergo a medical evaluation.

 

Once the claim has been approved, the employee will receive benefits from their workers’ compensation insurance program, which can include payment for medical expenses, a portion of their lost wages, and other related benefits. If the injury or illness results in permanent disability, the employee may be eligible for additional benefits.

 

It’s important for employees to understand their rights and responsibilities under the workers’ compensation system, including the timeline for reporting incidents and the process for filing a claim. 

 

Employees should also be familiar with the benefits available to them through their workers’ compensation insurance program, so they can make informed decisions about their medical treatment and recovery.

Are There Any Other Types of Insurance That Employers Should Consider in Addition to Workers Compensation Insurance in Florida?

In addition to workers’ compensation insurance, employers in Florida should consider several other types of insurance to fully protect their business and employees. Some of these include:

 

  1. General liability insurance: This insurance protects against claims of bodily injury or property damage to third parties caused by the business or its employees.
  2. Business property insurance: This insurance covers damage or loss to the employer’s business property, such as buildings, equipment, and inventory.
  3. Business interruption insurance: This insurance provides coverage for lost income and expenses if a covered event, such as a natural disaster, forces the business to temporarily shut down.
  4. Cyber liability insurance: This insurance provides protection for businesses against cyber attacks, data breaches, and other digital threats.
  5. Employment practices liability insurance: This insurance covers employers against claims of workplace discrimination, sexual harassment, and other employment-related issues.

 

Employers should carefully consider their insurance needs and consult with an insurance broker to determine the best coverage for their business. 

 

Additionally, employers should regularly review their insurance policies to ensure that they are adequate and up-to-date with their changing business needs.

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.

As a small business owner, you consider your work to be pretty risk-free. Even so, we know that sometimes life throws us curveballs, and mistakes will still happen.

Imagine you slip on some ice as you go to visit a client in the middle of winter and injure your back. Maybe a heavy piece of equipment breaks your hand. 

There are a lot of situations when workers’ compensation might be needed (or desired). 

Work-related injuries are usually excluded from health insurance policies. Having workers’ compensation coverage helps prevent a major financial burden when someone is injured at work.

What Does A Workers' Compensation Policy Cover?

Several types of work-related injuries are covered by workers’ compensation, according to Workplace Fairness. The list includes:

  • Occupational injuries
  • Work-related aggravation or acceleration of pre-existing conditions
  • A workplace injury can be caused by a broken slip or fall during a break, lunch hour, or work-sponsored activity as well as a facility malfunction
  • Injuries caused by physical and mental strain at work 

To understand what workers’ compensation does not cover, it helps to look at what a policy does cover. Among these types of injuries are those caused by self-inflicted injury, accidents during intoxication, accidents while an employee wasn’t on the job, and injuries caused when a worker committed a serious crime or violated a company policy.

Who Is Required To Carry Workers' Comp Insurance?

States mandate and regulate workers’ compensation coverage. Workers’ comp laws by state are outlined by the National Federation of Independent Business. 

Remember, though, that most states require employers with full- or part-time employees to have workers’ comp insurance. While some states require employers to carry workers’ comp coverage if they have at least one employee, others have a minimum of three. You don’t have to maintain your workers’ comp insurance if you lay off all your employees, however, you will save money if you hire them back within 30 days.

Are You Required To Have Workers' Comp If You're Self-Employed?

Sole proprietors and independent contractors are not included in the list above. Then you may be wondering, “Do I need workers’ comp insurance if I don’t have any employees?”

It’s not required by law to carry workers’ compensation insurance for businesses that don’t have employees. 

Despite this, you should still consider investing in workers’ compensation insurance, especially if any of the following apply to you:

You work in an industry with a high injury rate

In some industries, such as construction, injuries are common, so you should seriously consider getting workers’ compensation for yourself. 

You wouldn’t want to lose out on your income during recovery not just because of hefty medical bills, but also because of medical bills. 

Insurance coverage is requested or required by your client

Clients usually include a clause in their contracts that requires the contractors they work with to have insurance. 

General liability policies are generally sufficient. However, especially in high-risk industries, you might be asked to carry workers’ compensation insurance. 

So, how do they differ? Workers’ compensation protects your body, while general liability protects your business. 

If during repairing a roof, you caused property damage to a customer, that would be covered under your general liability policy. On the other hand, if you slipped off the roof and broke your leg, workers’ compensation would cover it. 

You have subcontractors

Another rule varies from state to state. Depending on your state, subcontractors could be considered employees, and a workers’ compensation policy might be required.

Additionally, you must ensure that employees are not misclassified as independent contractors. As a small business owner, you may face fines and penalties as a result.

Contractors are generally considered self-employed. That means you cannot determine when, how, or what gets done. 

When You Are Self-Employed, How Do You Get Workers' Comp?

Workers’ compensation insurance sounds like a good idea to you? You’re probably wondering: how do you get coverage?

Because insurance companies are not particularly profit-driven, it isn’t always as simple as you’d think. 

Ask your broker about coverage if you’re considering buying a workers’ compensation policy. You will be able to explore your options and make the right business decision with their assistance. No insurance agent? The Independent Insurance Agents and Brokers of America, Inc. offers a directory you can search or ask other business owners for recommendations. 

Additionally, you can check if your state has a workers’ compensation fund. Government-funded insurance provides coverage for businesses that cannot find workers’ compensation policies on the private market. 

Prevention Is The Key To Avoiding Accidents

Workplace safety programs can help you rein in the direct and indirect costs of workers’ comp claims. 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.                                                                                                                       

Businesses and self-employed contractors might want to consider getting a policy that protects their business if they get hurt at work instead of skipping workers’ compensation protection. Get in touch with an insurer today, 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 your 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!

The worker’s compensation program protects employers by covering the medical costs and lost wages of injured employees. When an employee is receiving workers’ compensation benefits, you do not need to pay them. You should pay them their regular pay rate if they are still working for you. Accordingly, workers’ compensation would likely cover only medical benefits, not lost wages.

In the event of an injury, your insurer-not you-will covers the cost of an injured employee’s medical treatment, disability, and other benefits as long as the policy is active. So why do some companies fight workers’ compensation claims? For one thing, they fear premium increases. When determining premiums, providers consider your loss history, but fighting a workers’ comp claim will only encourage your injured worker to hire a lawyer. Once a lawyer is involved, your costs will skyrocket. Studies suggest attorneys can make workers’ compensation claims 388 percent more expensive than those without. The reality is that fighting workers’ compensation claims is a losing battle. 

So now let’s look at how much these claims cost you.

The Direct And Indirect Costs Of Claims

There are two kinds of workers’ compensation costs: direct and indirect. Direct costs are easy to track and analyze. The direct cost for most businesses is workers’ compensation premiums. A business pays a premium for workers’ compensation insurance, and the insurer pays for the benefits injured workers are entitled to under state law. Benefits include medical care, disability payments, rehabilitation, and death benefits. Additionally, legal fees can be covered by the insurer. Injured workers receive disability benefits for a portion (usually about two-thirds) of their lost wages while they’re unable to work. Workers receiving disability payments are not supposed to be paid wages by their employers. 

Compared to direct costs, indirect costs are typically more difficult to determine and quantify. However, indirect costs can still be significant even when they are not easy to spot. Indirect costs can exceed direct costs in many workplace injuries. The following are seven types of indirect costs that a single workers’ compensation can produce.

The Administrative Costs

A workers’ compensation claim has the most immediate impact on your business by adding workload to your supervisory and administrative staff. Injuries at work require immediate attention. The employee has to be transported to a clinic or hospital for urgent care, provided with a claim form, and have the form completed and submitted by your insurance company. To ensure that the worker’s recovery proceeds smoothly, your staff will need to communicate with colleagues at your company as well as the worker’s health care provider. Employees who are cleared to return to work with restrictions, such as lifting no more than five pounds, may need to look for alternative jobs. As all business owners know, time is money. As a result, these tasks can take a lot of time and effort.

Increased Payroll Costs

Nearly a third of American workers who sustained non-fatal workplace injuries missed at least one day of work last year, according to the Bureau of Labor Statistics. Someone else must perform the duties of the injured employee. Depending on the situation, either a temporary worker can be hired or existing workers can be asked to perform the worker’s job, possibly with overtime pay. A long-term absence from work may require you to hire and train a new employee. Each of these options is costly.

Insurance Costs are Higher

Workers’ compensation insurance claims increase your insurance costs because they change your experience. The experience modifier is a mathematical factor that affects your insurance premium. 

In addition to your current policy term, your rating modifier reflects how you perform against the loss experience of other businesses in your industry over the past three years. Numbers may be greater than, less than, or equal to one. You can receive a credit on your workers’  compensation premium if your loss experience is better than average for your industry. This also applies the other way around. An increase in losses will result in a debit from your premium.

Morale and Productivity at Work

Accidents at work have the potential to lower employee morale and increase absenteeism. Minor incidents can disrupt your business and negatively impact your productivity. After an accident, it may be necessary to stop work or delay it until damaged equipment is repaired or replaced. Worker injuries may cause fear and anger, particularly if they believe you are not concerned about their well-being or the accident. Injured employees who are out on disability may also be resentful of having to pick up the slack.

The Extra Scrutiny of Your Insurer

Your insurance company may also try to scrutinize your business because of workers’ comp claims. Insurance companies monitor their customers’ claims experience and pay attention to claim patterns that occur frequently. To determine whether there was a safety lapse on the part of the employer, they will analyze the circumstances of the accidents that triggered the claims. Your insurer may conduct an on-site workers’ comp inspection if it suspects safety is an issue at your workplace. During an inspection, your insurer is likely to list corrective measures you need to take to maintain your coverage. You might be required by your insurer to install guards on equipment, improve housekeeping, or educate your workers about the dangers of handling hazardous materials.

OSHA Inspection and Fines

An OSHA investigation may be initiated after a serious workplace injury. OSHA is more likely to investigate your workplace if employees complain about hazards. OSHA may inspect your business on-site or over the phone depending on the circumstances. OSHA may fine your business $13,653 per day if an on-site inspection reveals serious violations of its standards.

Reputational Damage

Damage to your business’ reputation is another effect of workers’ compensation claims. Social media has made it possible to share information about workplace incidents quickly. Suddenly, your business might be viewed as a risky business. Injury stories can discourage prospective employees from working for your company. Your company can lose customers, clients, investors, suppliers, etc. Because of these problems.

Prevention Is The Key To Avoiding Accidents

Workplace safety programs can help you rein in the direct and indirect costs of workers’ comp claims. 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.                                                                                                                       

Businesses and self-employed contractors might want to consider getting a policy that protects their business if they get hurt at work instead of skipping workers’ compensation protection. Get in touch with an insurer today, 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 your 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!

Las lesiones relacionadas con el trabajo se encuentran entre los eventos más perturbadores para una empresa. Sin embargo, en muchas industrias, como la agricultura y la construcción, ocurren con frecuencia, lo que resulta en pérdida de tiempo, gastos innecesarios y, a veces, importantes problemas de salud para sus empleados. Las lesiones en el trabajo pueden afectar negativamente la moral y provocar paros laborales, demandas u otros resultados.

La Oficina de Estadísticas Laborales (BLS, por sus siglas en inglés) informó que las lesiones en el lugar de trabajo disminuyeron un 5,7 por ciento entre 2019 y 2020. Una caída de un año no es una anomalía. Las estadísticas de la Administración de Salud y Seguridad Ocupacional (OSHA, por sus siglas en inglés) indican que las muertes de trabajadores disminuyeron de 38 a 15 por día entre 1970 y 2019, mientras que las lesiones disminuyeron de 10,9 por 100 trabajadores a 2,8 por 100 trabajadores.

¿Por qué hay reducciones tan significativas? La Ley de Salud y Seguridad Ocupacional, o Ley OSH, de 1970 desempeñó un papel importante en la creación de OSHA para garantizar condiciones de trabajo seguras y saludables para los trabajadores estadounidenses. Como parte de su misión, OSHA establece y hace cumplir estándares, ofrece capacitación y asistencia para ayudar a los dueños de negocios a crear condiciones de trabajo seguras. A lo largo de los Estados Unidos, las tasas de lesiones han disminuido significativamente desde que se estableció OSHA.

Los accidentes ocurren y los empleadores deben ser conscientes de sus responsabilidades y derechos en relación con la seguridad de los trabajadores. Profundicemos en los detalles.

¿Qué son las Lesiones en el Lugar de Trabajo?

En otras palabras, una lesión relacionada con el trabajo es cualquier enfermedad o lesión causada por un evento o exposición en el trabajo.

Veamos esa definición más de cerca. Cubre desde lesiones obvias relacionadas con el trabajo, como cuando un techador se cae de un techo que está en medio de la construcción, o cuando alguien está expuesto a químicos tóxicos en una fábrica que causa daño pulmonar.

Además de enfermedades y lesiones que ocurrieron en una ubicación central, también puede incluir lesiones que ocurrieron en otro lugar, ya sea que hayan requerido hospitalización o no. Como ejemplo, supongamos que su empleado se dirigía a una reunión en un restaurante local. Él o ella estuvo involucrado en un accidente automovilístico. Esta es una lesión relacionada con el trabajo. No se aplicaría si el accidente ocurrió mientras su empleado se dirigía al trabajo.

Las lesiones más comunes en el lugar de trabajo pueden ocurrir repentinamente, como resbalones y caídas, o sufrir con el tiempo, como desarrollar el síndrome del túnel carpiano después de actividades repetitivas. La enfermedad mental puede incluirse, pero solo si el empleado puede probar que la enfermedad está relacionada con las condiciones de trabajo.

¿Qué Tipos de Lesiones no se Consideran Lesiones en el Lugar de Trabajo?

Las enfermedades relacionadas con el trabajo a veces resultan no ser lesiones ocupacionales:

  • Cuando un miembro del público está presente en un lugar de trabajo pero no está trabajando.
  • La lesión o enfermedad ocurrió en el trabajo pero fue causada por un evento o exposición que ocurrió fuera del trabajo.
  • Cuando un empleado come, bebe o prepara alimentos para consumo personal y sufre una lesión.
  • Un empleado se involucra en tareas personales en el lugar de trabajo fuera de las horas de trabajo asignadas.
  • Un empleado contrae un resfriado o gripe en el trabajo (otras enfermedades, como COVID-19, tuberculosis y hepatitis A, son excepciones).
  • Empleados que se infligen lesiones o pelean entre sí.
  • Lesiones causadas por drogas, alcohol o mientras el empleado viola la política de la empresa o comete un delito contra la empresa.

Las 10 Principales Lesiones en el Lugar de Trabajo

Las tasas de lesiones varían según la industria, y algunas lesiones ocurren con más frecuencia en una industria que en otra. Según el Índice de seguridad en el lugar de trabajo 2021 de Liberty Mutual, estos son los tipos más comunes de lesiones en el lugar de trabajo:

1. Manejo de Objetos

En los EE.UU., las lesiones resultantes de levantar cajas pesadas son comunes en almacenes, tiendas minoristas y otros lugares donde los trabajadores levantan cajas pesadas con regularidad.

2. Caídas al Mismo Nivel

En segundo lugar, las caídas ocurren en un nivel, como alguien que resbala en un piso mojado. Estas caídas cuestan $ 10,580 millones al año.

3. Caídas a un Nivel Inferior

Ya sea que se caiga de un techo o se equivoque al bajar de una escalera, los empleados lesionados en esta área cuestan $6.26 mil millones al año.

4. Ser Golpeado por Objetos

En las industrias de la construcción y de almacenamiento, es común ser golpeado por objetos o equipos pesados, y las compañías de seguros pagan $ 5,61 mil millones cada año.

5. Posturas Incómodas

Un repartidor sale torpemente de su vehículo y agarra la puerta con la muñeca. Las lesiones de este tipo cuestan 4.710 millones de dólares al año.

6. Choques de Vehículos

Cada año, los accidentes automovilísticos dan como resultado $3.16 mil millones en reclamos del seguro de compensación para trabajadores, independientemente de si fue causado por el conductor de su personal o por otra persona.

7. Resbalón o Tropiezo sin Caída

El talón de una administradora queda atrapado en una baldosa suelta, lo que le provoca un esguince en el tobillo. Las compañías de seguros pagan $2.52 mil millones en reclamos debido a pasillos resbaladizos o irregulares.

8. Colisión con Objetos o Equipos

Los trabajadores de las fábricas a menudo están involucrados en colisiones con maquinaria u otros objetos, lo que causa daños por alrededor de $ 2.46 mil millones.

9. Atrapado en Equipos o Máquinas

Los trabajadores tienen más probabilidades de sufrir lesiones relacionadas con el trabajo en la agricultura y las fábricas, que cuestan $2,01 mil millones al año.

10. Movimientos Repetitivos que Involucran Microtareas

El costo de las lesiones relacionadas con los movimientos repetitivos en el sistema de la mano y el hombro supera los $1.660 millones al año cuando se agregan los tratamientos de rehabilitación.

Trabajadores Lesionados: ¿Qué Debe Hacer?

Es su responsabilidad como dueño de un negocio seguir las recomendaciones de OSHA para un ambiente de trabajo seguro. Capacitar a todos los empleados sobre cómo operar la maquinaria y el equipo, asignar un monitor de seguridad a los trabajos de alto riesgo además de, almacenar botiquines de primeros auxilios deben ser parte de su protocolo de seguridad. Se debe distribuir una lista de números de contacto de emergencia a todos los empleados. Haga una lista de contactos médicos de emergencia y tenga una copia a mano en todo momento.

Sin embargo, ¿qué sucede si alguien se lastima en el trabajo a pesar de sus mejores esfuerzos? La vida de su empleado y su responsabilidad pueden depender de su capacidad para mantener la calma después de una lesión. Después de un accidente, es importante tomar las siguientes medidas:

Considere la lesión: ¿Es algo que se puede tratar con una tirita y alguna crema de primeros auxilios? En caso de emergencia, tome precauciones adicionales, a menos que tenga su entrenamiento médico de emergencia. Incluso después del impacto de una caja pesada, alguien puede decir que se siente bien, pero mostrar signos de una conmoción cerebral más tarde. En caso de lesiones en la cabeza, el cuello o la espalda, no mueva al empleado. Comuníquese con  primeros auxilios de inmediato.

Asegúrese de que su empleado esté en un entorno seguro si ha sido lastimado por su entorno. Tan pronto como vea una fuga de gas tóxico u otro peligro, evacúe el área de inmediato. Siga las instrucciones de los primeros en responder.

Después de que las lesiones de la persona hayan sido tratadas adecuadamente, deberá recopilar información y mantener registros del evento. Luego, deberá comunicarse con otras personas que presenciaron el accidente para averiguar si el trabajador estaba usando el equipo de protección adecuado y si manejaba la maquinaria de manera adecuada. Obtenga una imagen clara de lo que sucedió, incluidas las horas y los lugares, mientras los recuerdos de las personas aún están frescos.

Después de que se satisfagan las necesidades inmediatas y el empleado lesionado reciba atención médica si es necesario, depende del empleador comenzar a manejar las reclamaciones del seguro de compensación para trabajadores.

Debe comenzar este proceso lo antes posible, ya que una demora podría provocar que la aseguradora rechace su reclamo. Un punto de partida útil sería hablar con el empleado. Si su lesión no es grave, le proporcionará la documentación adecuada. Es posible que deba entrevistar a los compañeros de trabajo que vieron el accidente para obtener detalles adicionales.

Dependiendo del estado donde viva, su papeleo puede verse diferente. Debe estar disponible en línea, o quizás a través de la Junta de Compensación para Trabajadores de su estado.

Cómo Presentar un Reclamo

El proceso para presentar un reclamo en el seguro de compensación para trabajadores comienza una vez que usted y el empleado hayan recopilado toda la documentación necesaria y comprendan completamente lo que sucedió. En algunos estados, incluso para lesiones menores, es posible que deba enviar materiales a la división del seguro de compensación para trabajadores del estado.

La compañía de seguros aprobará o rechazará su reclamo. Si se aprueba, se les notificará a usted y al empleado cómo y cuándo se realizará el pago. Estos fondos se pueden utilizar de la forma que desee la parte lesionada, incluido el pago de sus facturas médicas. Si es necesario, el empleado puede aceptar esta oferta o negociar un monto de liquidación más alto. En este caso, un abogado del seguro de compensación laboral podrá ayudarlos.

El trabajador aún puede emprender acciones legales incluso si se niega el reclamo. Alternativamente, pueden apelar a través del estado o solicitar una reconsideración del reclamo. Por lo general, esto no sucede a menos que el empleado haya resultado gravemente herido.

Este procedimiento se aplica a las lesiones laborales no fatales en cualquier caso. Cuando un trabajador muere en el trabajo, trabajaría con el pariente más cercano. Los acuerdos de beneficios por muerte beneficiarían a los miembros de la familia del trabajador o irían al patrimonio del trabajador.

PEOPAYGO Ofrece Cotizaciones Gratuitas para el Seguro de Compensación de Trabajadores

Las empresas y los contratistas que trabajan por cuenta propia podrían considerar obtener una póliza que proteja su negocio si se lastiman en el trabajo en lugar de saltarse la protección del seguro de compensación para trabajadores. Como aseguradora líder para pequeñas empresas, PEOPayGo es una gran opción.

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.

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