Workers’ compensation helps you out if you suffer an injury while on the job. It is insurance that your employer purchases, and it provides coverage for you in the form of benefits.
The idea behind the workers’ compensation system is to help reduce lawsuits over work-related injuries. The system is no-fault, which means that you automatically qualify for benefits if you have a legitimate injury. Benefits always include payment for medical care, but they may also pay for lost wage benefits.
The Florida Division of Workers’ Compensation explains that to receive payment for wages you lose due to time off for an injury, you must first miss seven days of work. On the eighth day, your payments will begin. If you miss at least 21 days in total, you will receive payment for the first seven days.
You will receive a check bi-weekly. The check is for 66 2/3% of your average weekly wage, which the adjuster will determine by using your wages from the previous 13 weeks you worked prior to the injury. If you worked less than 75% of that time, then your payments will be based on an average wage for 75% of the time or your full-time weekly wage.
The money you receive is tax-free, and you will usually get your first check on the 21st day after reporting your injury. You continue to receive benefits until you can return to work, but if you have a temporary total or partial disability you may receive benefits only up to 104 weeks.
You may want to secure an Orlando workers comp lawyer if you have issues receiving your benefits or feel you received an unfair denial.
You can receive payment for lost wages, but you must meet the requirements set by the workers’ compensation system. In addition, benefits will stop if you return to work or if you reach the time limit for them.