Work accidents can lead to serious physical injuries and psychological trauma. In some cases, the accident can be so severe that the employee suffers long-term injuries that can significantly impact their ability to engage in their activities of daily living and employment. In these situations, employees and their loved ones should contact an attorney to discuss their rights and remedies.
Florida’s Workers’ Compensation Insurance (WCI) is coverage that an employer or business purchases that provide employees with benefits if they suffer injuries at the workplace. The law requires most employers to participate in this program. There are certain exceptions to the requirement, such as non-construction-related companies that have four or fewer employees. WCI works to compensate the injury victim for their medical bills and lost wages. While the benefits include payments for hospitalizations, medication, and subsequent therapy, there are limitations to how much one can recover for lost wages, and Florida Workers’ compensation law can be challenging and complex. Further, the benefits do not cover pain and suffering. Issues often arise when the WCI fails to cover the extent of the injury victim’s losses.
In most cases, Florida’s workers’ compensation program prohibits employees from filing a personal injury or wrongful death lawsuit against their employers. However, there are certain exceptions to the rule that apply. The exceptions include situations where: