When you are injured at work, there are several things that you have to think about. One of these is how you are going to get medical care for your injury. Another concern is how you are going to pay your bills if you have to take time off work. When this occurs, you might turn to the workers' compensation system to get benefits that will help you during this time.
What is workers' compensation?
Workers' compensation is an insurance program that businesses meeting certain requirements are required to have. It pays benefits to injured workers who are unable to work. Payments for medical bills and missed wages are two types of benefits you might receive.
How do I get workers' compensation benefits?
The first thing you have to do is notify your employer of the accident. This is usually done right away, but you have up to seven days to file a report. From there, the company will usually report the incident to the insurance company. If the company is unwilling to do so, you can do this yourself.
What happens if I am denied benefits?
If you are denied benefits or if you are told you will get benefits in a lesser amount than what you think you are due, you might file an appeal. Learning how to do this is imperative because you don't want to make any mistakes that might have your appeal delayed or denied.
Workers' compensation is a program that is meant to help protect injured workers. You have rights and responsibilities when you deal with the program. Fully understanding these can help you as you fight for the benefits you deserve.
Source: Florida Department of Financial Services, "Injured Worker Frequently Asked Questions," accessed March 17, 2017