If you have been injured on the job, one of the most pressing issues you will need to resolve is that of your financial losses, including medical bills and your lost wages. Fortunately, nearly every employer in Florida is required to carry workers’ compensation insurance, which is a no-fault policy intended to protect workers from the financial impacts of an injury and to protect employers from being sued by their employees. This type of policy does not need to establish who caused the accident and does not need anyone to be held responsible in order to pay a settlement out.
After an injury, one of the last things a victim wants to deal with is endless paperwork and a claims process. This is one reason why it is so important to hire a workers’ compensation lawyer in Miami as soon as possible. Your attorney will be able to handle the administrative details for you while they also ensure you are getting all of the compensation you deserve and exploring any additional legal options for getting you a fair payment.
Contact 1-800-Injured To Connect With a Miami Workers’ Compensation Attorney
1-800-Injured is an attorney and medical referral service. If you have been hurt at work, we can connect you with a proven, aggressive attorney who is ready to take your case as soon as possible. The process of finding an attorney on your own while you are trying to overcome the initial shock of your accident can be overwhelming, so using a referral service can help to alleviate that stress knowing that you have a legal representative who is going to fight for what you deserve.
Contact us as soon as possible, and read more below about some common questions about Florida workers’ compensation claims.
Frequently Asked Questions About Miami Workers’ Compensation
The following are just a few of the many questions you and many others who are injured at work may have in the days and weeks following their accidents. Keep in mind that the answers provided below are meant to give you a general sense of how your own question will be answered by an attorney, but are not intended to be taken as legal advice. Your situation is unique, and the answers to your questions will depend on the many details present in your life.
Does My Employer Have Workers’ Compensation Insurance?
Unless you are in a unique situation where you have specifically exempted yourself from being covered by workers’ compensation insurance, typically as an officer of a corporation or member of a limited liability company, then your employer is legally required to have workers’ compensation insurance for you. If you are injured on the job and discover that your employer does not have workers’ compensation insurance, then you will be able to seek alternate avenues for payment such as a lawsuit against your employer.
As soon as you are injured, report the accident and injuries to your manager or supervisor so they can create an accident report, a central document when you initiate a workers’ compensation claim. Your employer will be able to give you the specifics of the workers’ compensation policy, as well as contact information and other relevant details. If you discover at this time that there is no policy in place, contact 1-800-Injured immediately to learn about your legal options. DO NOT SIGN ANYTHING, as your employer may try to convince you to waive your rights to legal action.
How Can An Attorney Help With My Workers’ Compensation Claim?
After any sort of injury, whether on the job or not, the coming days and weeks can be stressful and overwhelming as you focus on coming to terms with your injuries, processing the accident, and making a plan for moving forward with your recovery. At the same time, you will need to go through the filing process for your workers’ compensation claim, providing all necessary information, documents, and statements to help provide a full picture of the damages you have suffered and are entitled to compensation for. Filing a workers’ compensation claim is typically easier than an insurance claim, but it is still fraught with possible missteps and filing errors that will result in a smaller settlement than you actually deserve.
When you have an attorney handling your workers’ compensation claim, they will be able to use their knowledge and experience to ensure every detail is included in your claim, and that you are doing all that is necessary in order to get the best possible payment for your injuries. While they are focusing on your workers’ compensation claim, you can focus on recovering from your injuries and getting back to work once you are healthy.
What Is The Workers’ Compensation Insurance Claims Process?
Typically your employer will file the claim with their workers’ compensation policy provider, at which point the insurer will assign an adjuster to investigate the claim and get an understanding of the situation. During this time, you and your attorney will provide them with all relevant information about your measurable losses so they can return to you with an accurate settlement offer. Once the evaluation period is concluded, you will be contacted by the workers’ compensation insurance company about whether or not your claim has been accepted, as well as the amount of money they will dispense for you.
Throughout this process, your attorney will be able to handle the majority of the administrative work, ensuring all of the required information is provided to the insurer and your claim is both accepted and settled for a fair amount.
What Types of Compensation Am I Eligible For?
Workers’ compensation insurance covers economic damages only, whereas a tort claim provides a legal pathway towards both economic and non-economic damages. Economic damages are all damages that have measurable dollar values associated with them, and the most common are medical bills and all associated costs, as well as impacts to your earning such as lost wages and decreased earning capacity. In the event of serious and long-term injuries, workers’ compensation can also provide for disability benefits.
In order to understand exactly what you are eligible for, you and your attorney will be able to go through all of the details of your situation and gather all information about your damages that will help clarify what you are entitled to. The sooner you are partnered with an attorney through 1-800-Injured, the sooner you will have a deeper understanding of your claim.