Have you been injured at work in Palm Bay FL? If so, you need to hire the best workers’ compensation attorney in Palm Bay to evaluate your case and proceed with the claim process for your workers’ compensation benefits in Palm Bay. Florida law requires all employers in the state to purchase workers’ compensation insurance if they employ four or more employees, whether full-time or part-time.
Workers’ compensation insurance shields the employer from liability lawsuits from injured workers and pays out medical expenses, lost wages, and disability benefits to the injured employee. Workers’ compensation claims are complicated and require professional assistance to obtain the maximum compensation possible.
If you are searching for a reliable personal injury law firm in Palm Bay FL, you don’t have to look further than Florida Workers’ Compensation Lawyers Coalition. We are your trusted partner for all your personal injury lawsuits including workers’ compensation claims.
Our experienced workers’ compensation lawyers have worked with hundreds of clients in the past and won millions of dollars in compensation on their behalf. We know the ins and outs of Florida’s workers’ compensation law and when to settle your claim so that you get the maximum benefits.
Our lawyers treat every client as a person and not just a number. Make sure you contact our experienced team right now at (954) 448-7355 to handle your workers’ compensation claim in Palm Bay FL.
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What are the Florida Workers’ Compensation Income Limits?
Florida’s workers’ compensation law requires all employers who employ more than four full-time or part-time workers to purchase workers’ compensation insurance to protect both the business and its employees. Workers’ compensation insurance comes in two parts as Part A and Part B.
Part A is designed to pay out limitless amounts of money for medical expenses, lost wages, and disability benefits to injured workers.
Part B is designed to protect the employer in case an injured employee decides to proceed with a liability lawsuit against the employer for his/her workplace-related injuries. It pays legal fees, lawyer charges, and compensation on behalf of the employer so that the employer doesn’t have to pocket out these charges by him/herself.
The employer can increase or decrease the policy limits depending on their business needs and budget. Here are the income limits for workers’ compensation insurance in FL:
- $100,000 per occurrence for body injuries
- $100,000 per worker for body injuries due to infections
- $500,000 policy limit for injuries due to infections
What are the Types Of Workers’ Compensation Benefits In Palm Bay?
Injured workers in Florida have access to four types of workers’ compensation benefits. The type of benefit suited for each employee will depend on his/her injuries and the recuperation time frame.
The four types of workers’ compensation benefits in Florida are as follows:
- Temporary Partial Disability Benefits In FL (TPD) – TP disability benefits are paid to injured workers who return to work in a different position or light-duty position. The worker will earn less money in his/her new capacity compared to what he/she earned before the injury. There is a 7-day waiting period before the benefits are received. TP benefits are calculated by taking the difference between the two salaries received by the worker – before and after the injury. It can continue for 500 weeks depending on the injuries and the time taken to recuperate.
- Temporary Total Disability Benefits In FL (TTD) – TT disability benefits are paid in case the injured worker cannot report to work for seven days after the injury. In case the employee is unable to report to work for 21 days, benefits will be paid for the 7-day waiting too. TTD can continue for 500 weeks similar to TPD. TTD is calculated as 2/3 of the employee’s average weekly wage (AWW).
- Permanent Partial Disability Benefits In FL (PPD) – When the injured employee has reached the maximum medical improvement period or MMI, PPD is paid. The injured employee may continue to feel pain and discomfort even after reaching MMI since MMI is the maximum medically possible improvement of the injury. Most of the time, the workers’ compensation insurance provider will decide to settle the claim when the employee reaches this state.
- Permanent Total Disability Benefits In FL (PTD) – Permanent total disability benefits are paid only after the medical practitioner confirms that the injured employee’s treatments are completed. The injured employee will receive PTD forever since he or she cannot return to work due to the severity of his/her injuries.
How Are Workers’ Compensation Benefits In Florida Calculated?
The benefits are based on the average weekly wage or AWW of the injured worker. There are four methods of calculating workers’ compensation benefits:
- When the injured worker has worked for more than a year, the AWW is calculated by taking the aggregate sum of money received by the employee over the past 52 weeks before the injury.
- When the worker has worked less than a year, AWW is calculated by taking the total pay received by the worker and dividing it by the number of weeks he or she worked.
- When the injured worker has been in the company for a short time, AWW is calculated by comparing the salaries of workers in a similar capacity.
- If any of the above conditions are not applicable to a worker, AWW is calculated by taking the sum of money the employee would have received if he/she was not injured.
Are Workers’ Compensation Benefits In Florida Taxed?
No. Workers’ compensation benefits in Palm Bay are not taxed; nor in other parts of the state of Florida. The exception is when an injured worker returns to work in a light-duty capacity, a portion of his/her new salary will be taxed.
Contact Our Experienced Lawyers to Help You Understand Workers’ Compensation Benefits in Palm Bay
If you are injured at work, you can claim compensation for your injuries from your employer’s workers’ compensation insurance system. You need to hire the best workers’ compensation lawyer in Palm Bay FL to handle your claim.
The Workers’ Compensation Lawyers Coalition Florida is your preferred partner in Palm Bay to handle your claim and obtain maximum benefits in the process. We have experience dealing with hundreds of workers’ compensation claims in Florida. Contact our experienced team right now at (954) 448-7355 to handle your workers’ compensation claim in Palm Bay FL.