The workers’ comp claim process in Fort Lauderdale can provide benefits that cover medical expenses related to workplace injuries as well as financial benefits that can help to cover lost wages. Sadly, it isn’t always easy for injured workers to collect the benefits that they are owed. If you’ve been injured, you need an experienced Ft. Lauderdale attorney on your side. Reach out to Miami Workers’ Compensation Lawyers Coalition if you want to make sure you follow properly the workers’ comp claim process to receive all the benefits you’re entitled to.
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How Can I Know If My Injury Will Be Covered By A Workers’ Comp Claim?
In most cases, occupational illnesses or injuries that occurred on the job will be covered by a company’s workers’ compensation insurance policy. In order to receive benefits such as medical coverage and wage replacement, injured workers must report the injury and file a worker’s comp claim.
Not all injuries that occur on the job are covered by workers’ comp. If an injury is self-inflicted or the injury was sustained while an employee was engaging in criminal behavior, it is highly unlikely that the injury will be covered. However, injuries that are related to a pre-existing condition could be covered if a physician believes that the injury became worse due to current work.
Other types of injuries that are unlikely to be covered by workers’ comp include injuries caused by horseplay, injuries that occurred when an employee was violating company policy, or injuries that took place when a worker was under the influence of drugs and alcohol. Psychiatric disorders that were worsened by job-related stress are typically not covered by workers’ comp.
While cumulative injuries may be covered under workers’ comp, it isn’t always easy to have these claims approved. Ideally, the injury should be reported the first time an employee takes time off from work because of the injury. A physician will also have to examine the injury to determine whether the injury was caused by work.
If you’ve suffered a work-related injury, and you are not sure that your injury is eligible for workers’ comp benefits, you should report the injury to your employer right away. You should also schedule a free consultation with Miami Workers’ Compensation Lawyers Coalition. We can assess your case and recommend the best course of action.
How Do I Know If My Employer Has Workers’ Comp Insurance?
Unless your employer is outside the construction industry and has fewer than three employees, they are required to carry worker’s comp insurance. Information regarding this coverage plan should be readily accessible at your place of work.
How Long Do You Have To File A Workers’ Compensation Claim in Fort Lauderdale?
If you were injured in an on-the-job accident or an accident that was related to your job duties, you must notify your employer of your intention to seek workers’ compensation within 30 days of the accident. After that, your employer has seven days to contact the company’s insurance provider so that you can file your claim.
If you are informed of a work-related injury by a doctor at a later date, you have 30 days from the date of the diagnosis to inform your employer. It is more difficult for claims involving cumulative injuries to be approved, which is why it’s important to document your injury as thoroughly as possible.
Although you can wait until the end of the 30-day window to report your injury so that you can file your claim, you will have better results if the injury is reported as soon as it occurs. Not only will this allow you to obtain benefits more quickly, but it means there will be less dispute over whether the injury actually occurred on the job.
It is best to report injuries to your employer, even if you are not sure that the injury is covered by workers’ comp. Employers are legally prohibited from retaliating against employees for filing claims. Taking action now is the best way to ensure that you are able to access benefits if you need them.
What is the Workers’ Comp Claim Process In Florida?
After you notify your employer of your injury, your employer has an obligation to contact the company’s insurance provider. If an injury is not reported to the insurance company within seven days, the employer may be subject to fines and other penalties. If your employer fails to contact the insurance provider, you can contact them yourself.
Many employers require that injuries be reported to a designated person. If you do not know who your injury needs to be reported to, or if you are unable to contact that person at the time of your injury, the injury should be reported to your direct supervisor.
Once your injury has been reported, both your employer and the insurance provider must complete the First Report of Injury or Illness (DWC-1). You are entitled to receive a copy of the completed form. If you disagree with any of the information on the report, you can dispute that information.
You will be expected to seek the appropriate medical services once your injury has been reported. You will need to seek care from a medical provider that is authorized by your employer. You are not responsible for medical bills that are related to injuries covered by workers’ comp. These bills should be paid by your employer’s insurance provider.
On-the-job injuries are always a risk. Workers’ compensation is intended to provide protection to workers and ensure that medical expenses and wage losses are covered. Unfortunately, many employees are unaware of their rights, and many employers try to deny valid claims.
If you want to make sure that your rights are protected throughout the workers comp claims process, Miami Workers’ Compensation Lawyers Coalition is ready to help. Our team has extensive experience with Florida’s workers’ compensation laws and will provide you with the guidance and help that you need. Contact us at (786) 686-2857 so that we can start working for you.