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TYPES OF WC BENEFITS

Your employer is responsible for providing medical treatment through an insurance carrier which includes, but is not limited to, the following:

Medical benefits:

    • An authorized primary doctor and specialist(s) when medically necessary
    • All authorized medically necessary care and treatment related to your injury such as:
      • Doctor’s visits
      • Hospitalization
      • Physical therapy
      • Medical tests
      • Prescription drugs
      • Prostheses
      • Mileage reimbursement for travel to and from your authorized doctor and the pharmacy

 

Helpful Hints:

    • Do not delay in reporting your injury or illness. Your employer may authorize a doctor at the time of your accident, but the insurance carrier must authorize follow-up treatment.
    • If your accident results in emergency treatment, be sure to tell the emergency room you hurt yourself on the job, and give them a contact name and phone number of your insurance carrier or your employer.
    • Do not go on your own to your private doctor for treatment. You will likely be responsible for any bills you incur from your own doctor. The insurance carrier must authorize the doctor who is to treat you.

 

    • If your employer or insurance carrier does not respond to your request for medical treatment, you can contact the Employee Assistance and Ombudsman Office for assistance at 1-800-342-1741 or at wceao@myfloridacfo.com.

 

Lost Wages and Other Monetary Compensation:

The rate, amount, and the duration of compensation for all disability benefits are detailed in the workers’ compensation law at Florida Statutes §440.14 and §440.15 .

Temporary Disability Benefits:

 

There are two types of temporary disability benefits that you may be entitled to during your recovery to make up for some of your lost wages:Temporary total disability:

 

    • If your doctor says you cannot work because of your work-related injury or illness, pursuant to §440.15(2) you should receive money equaling 66 2/3% of your regular wages at the time you were hurt, subject to a statewide maximum reimbursement amount.
    • You will not receive temporary disability benefits for the first 7 days of disability unless you are disabled more than 21 days due to the work-related injury as determined by the authorized doctor.
    • Certain severe injuries may entitle you to 80% of your regular wages for up to 6 months after the accident.

 

Temporary partial disability:

 

    • According to §440.15(4), when the doctor states you can return to work with restrictions, you may be eligible to receive Temporary Partial Disability Benefits if you are unable to earn 80% of the wages you were earning at the time of your accident. These benefits will be offset against your reduced earnings or will be 64% of your regular wages at the time you were hurt if your employer does not have any light duty work available.

 

You can receive up to a total of 104 weeks of temporary disability benefits.

 

When your doctor states you are at Maximum Medical Improvement, your condition is not expected to improve significantly; and the doctor will have you evaluated for possible permanent work restrictions and an impairment rating.

 

    • If you receive a permanent impairment rating greater than 0%, you will receive money based on that rating.

 

Permanent Total Disability Benefits

 

If you suffer a catastrophic injury, you may be presumed permanently and totally disabled. Catastrophic injuries include spinal cord injuries involving paralysis of an arm, a leg, or the trunk; amputation of an arm, a hand, a foot, or a leg involving the effective loss of use of that appendage; severe brain or closed head injuries with associated severe sensory or motor disturbances, communication disturbances, complex integrated disturbances of cerebral function, episodic neurological disorders; second degree or third degree burns of 25 percent or more of the total body surface or third-degree burns of 5 percent or more to the face and hands; or total or industrial blindness.

Alternatively, if after reaching Maximum Medical Improvement your injuries are so severe, as defined by law, that you are left permanently unable to engage in at least a sedentary level job within a 50 mile radius of your residence, you may receive permanent total disability benefits.

 

Death Benefits

 

If a work-related death occurs within one year of the date of accident or five years of continuous disability, funeral benefits up to $7,500 and wages may be due and payable up to a maximum total of $150,000 for surviving spouses and/or dependants.

 

Vocational Rehabilitation Assistance:

 

If you are unable to return to your job because of permanent work restrictions resulting from your on-the-job injury, you may be eligible to receive assistance from the Workers’ Compensation Vocational Rehabilitation Section of the Florida Department of Education at the following website or phone numbers:

 

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