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Workers' Compensation Insurance Companies

In Florida, most employers are required to carry workers’ compensation insurance. This type of insurance covers their workers if they are hurt on the job. In exchange for a system to receive benefits such as disability and medical benefits without proving that the accident was caused by their employer, only that it happened on the job, employees are generally barred from suing their employers after an accident. Workers’ compensation helps employers by mitigating their risk of lawsuits.

Why Florida Workers' Compensation Insurance Companies Are Not on Your Side

Florida workers' compensation law does offer many benefits for injured workers with a system to pursue a range of benefits for work-related accidents. However, the laws are often on the side of the employer, not the injured workers.

This also applies to workers' compensation insurance companies. The employer is the policyholder and the workers' compensation carrier is a for-profit business. When you submit a claim for workers' compensation, the insurance company and the employer both have financial incentives to reduce or deny your claim.

There are many ways in which injured workers in Florida are at a disadvantage in the workers' compensation system:

  • The employer or insurance company gets to choose your doctor, not you. Some insurance carriers offer you a choice of doctors they have approved, but this is less common and only available with some insurance carriers.
  • While you can request a new doctor if you are not happy with the medical care you receive, you can only make this request once during your claim and the insurance company also chooses your new doctor.
  • The doctor chosen by the workers' compensation carrier gets to make decisions crucial to your case including when you are able to return to work, if you are disabled, and when you have reached maximum recovery.
  • You cannot be compensated for pain and suffering through workers' compensation.
  • Florida law now limits attorneys' fees that can be recovered from the insurance company in a workers' compensation claim. This means it can be harder for injured workers to find a law firm to represent them.
  • You are limited by the law in how long you can receive benefits. When the doctor decides you are fine to return to work, your benefits will end, even if you do not feel you are well enough to return to your duties.
  • It's difficult to prove disability. The workers' comp carrier will work to reduce payouts and liability. If there is another job they determine you can physically perform, even if the job requires a large pay cut or you are not trained to perform it, your disability can be denied.
  • If you have a pre-existing condition, you are required to show your work-related injury is at least 51% the reason you are seeking medical attention. This can be a challenge.

While Florida workers’ compensation insurance companies are not on your side, it is important to know that workers’ compensation lawyers are! At WorkInjuryRights.Com™, we represent our clients not the insurance companies!

How Work Injury Lawyers Can Help

If you have been hurt in a work-related accident in Florida, do not expect the workers' compensation insurance company to be on your side. They are focused on reducing liability and limiting the amount they need to pay.

At WorkInjuryRights.Com™, we fight for you. Our Florida workers' compensation lawyers have 45 years of combined experience representing injured workers, including experience representing workers' compensation insurance companies which gives us valuable insight into the tactics the carrier will use.

Contact us today for a free consultation to review your claim and get the help you need to fight the workers' compensation insurance company. There are no fees or costs unless we win!

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