If you’re a worker in Florida who is injured and unable to work, you probably feel both scared and frustrated. When suddenly you’re unable to work, your mortgage or rent payments don’t just stop. You still need to pay the electric bill and feed your family.

Recovering from a work-related injury can be hard enough. Certainly, when you went to work, you never expected to suffer a life-altering injury. But now, here you are wondering how you’ll recover and still pay your bills.

It’s the reason most employers are required to carry workers’ compensation coverage. You have probably already filed your worker’s compensation claim and now you’re wondering how much does workers comp pay?

Workers comp in Florida gets paid out in a variety of ways, depending on the classification of your disability and your needs. Read on to learn more about how workers’ compensation gets paid in Florida and what you can expect when calculating your benefits.

Calculating Benefits Depends on your Worker’s Compensation Classification

As you consider your benefits from your Florida worker’s compensation case, the first thing to consider is how your injury is being classified. Florida rates workers’ compensation wage losses into one of three categories. How your injury or illness gets rated will impact how much you’re paid and for how long. Let’s take a closer look.

Temporary Disability Benefits

For many who suffer a work-related injury or illness in Florida, it’s classified as a temporary disability. When you have a temporary disability, your compensation is based on the average wage you earned in the 13 weeks before the time you were injured. You should receive a wage benefit in the amount of 2/3 of your average weekly wage.

There is a maximum full time disability rate for weekly worker’s compensation payments. A worker can only receive temporary disability benefits for up to two years.

If you experience an injury or illness that’s considered severe, you can get up to 80% of the 13 weeks prior to being hurt.

Permanent Impairment Benefits

Whenever you experience a work-related injury or illness, you must see a workers’ comp doctor. A workers’ comp doctor may decide you have a permanent condition or loss of function. In Florida, this is called a permanent impairment.

You might be able to do some work, but not your previous job, and still have a permanent impairment. Your worker’s comp doctor may assign your injury a percentage rating. This ranking is used to determine how much you will be paid in impairment benefits.

You’re actually eligible to get paid based on the ranking from the doctor and your income prior to the injury. Florida uses an Impairment Income Benefit Calculator to help you see what amount you’ll be eligible for based on your rating. Ratings are usually a matter of great disagreement.

Permanent Total Disability Benefits

Some work-related injuries are so severe the worker is unable to ever return to work. In this scenario, the injured worker can continue to receive their temporary disability amount until they reach the age of 75. These payments can go beyond 75 if the worker is not eligible for social security.

Since these are nearly lifetime benefits, the worker also gets a cost of living adjustment up to the age of 62.

What Gets Paid for Under Workers Compensation Coverage

Of course, all of the percentages and factors just mentioned are based on a worker’s income. But workers’ compensation covers more than just the lost wages of a worker.

Workers’ compensation will also cover medical expenses. This can include immediate medical expenses like an ambulance ride and emergency room care. It can also include more long-term medical care. This might include:

  • Surgical procedures
  • Prescription medications
  • Hospital stays
  • Specialists
  • Ongoing care or long term care
  • Physical and occupational therapy

If the worker needs physical rehabilitation to be able to return to work, that is also covered.

Sometimes, as was mentioned, a worker is able to return to work after an injury, but not the job they originally had prior to the injury. In this scenario, the worker might be able to return to work in a different capacity and may need additional training to do so. Workers’ compensation will also cover that additional training so the worker is able to come back to work in some way.

Getting Help for Your Worker’s Compensation Case

As if it isn’t bad enough to be injured in a work-related injury, it can often be challenging to get the insurance companies to pay out benefits, even when it’s obvious that you’re eligible.

In addition to healing from your injury, it often becomes necessary to fight for getting benefits from the insurance company. When injured in a work-related injury, you should get help right away from a workers’ compensation attorney.

You might hope it isn’t necessary. But you want your rights protected. Remember, insurance companies aren’t in the business to pay out money willingly. Workers’ compensation attorneys know how to deal with insurance companies. The sooner they’re involved with your case, often the easier it is to resolve.

What You’re Due From Workers Comp in Florida

Employers are required to carry workers’ compensation insurance. It protects them from liability and it protects the worker when they’re unable to work. If you suffer a work-related injury, you should get the payments you deserve from the coverage.

Our practice is dedicated to helping accident victims. If you ever need help with a legal problem or just want information on this subject, you can always reach me at 777-JOHN.

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