Workers' compensation coverage is essential to employees who have been hurt on the job. It provides many important benefits such as medical coverage, compensation for lost wages, vocational rehabilitation and more.
Most workers in Florida have a right to workers' compensation if they are hurt while performing the duties of their jobs. For example, someone driving to a client's site from their primary office will be in the process of performing their work, so if they get into a crash, they should be covered by workers' compensation. Similarly, someone who is injured by an explosion in an industrial facility while on the job can also be covered by workers' compensation.
Who isn't covered by workers' compensation?
Some people aren't covered by workers' compensation. These people include independent contractors, third-party contractors and some people who are employed by employers who are not required to carry workers' compensation coverage.
If you work for someone who does provide coverage and need to file a claim, you'll need to let your employer know that you got hurt. After your injury, you should go to the hospital, an urgent care clinic or to a medical provider previously approved by the workers' compensation program. After the initial treatment, you'll have a better idea of how serious your injury is and if you'll need to pursue further assistance through workers' compensation, like coverage for lost wages due to missing work for several weeks or coverage for vocational training so that you can retrain for a new position or job instead of what you did in the past.