The Division of Workers’ Compensation (DWC) administers workers’ comp in Florida. Businesses with four or more employees are required to carry workers’ compensation insurance, which provides no-fault protection to workers who suffer work-related injuries or illnesses.
Common Workers’ Compensation Injuries in Florida
Workers’ compensation covers medical expenses and up to two-thirds of lost wages for employees hurt due to workplace accidents or exposure to dangerous conditions. The most common workers’ comp injuries in Florida are:
- Joint injuries (30%). Jobs that involve material handling can lead to overexertion—causing sprains, strains, ligament damage, or carpal tunnel syndrome from repetitive motion.
- Cuts and puncture wounds (19%). Coming into contact with sharp or pointed tools and other objects can pierce, scrape, or lacerate the skin.
- Contusions (12%). Slipping and falling or coming into contact with heavy equipment or objects in the workplace can cause bruising and swelling at the point of impact.
- Inflammation/burns (5%): Exposure to flame, heat, dangerous chemicals, or toxic fumes can result in burns or redness and swelling of the exposed areas.
- Broken or fractured bones (5%). Slips and falls, impact with heavy objects, use of defective equipment, or driving accidents can fracture or break bones in hands, arms, legs, or other areas.
Filing Your Claim
If you suffer any one of these or another work-related injury/illness, you have 30 days to report it to your employer and two years to file a workers’ comp claim—but you shouldn’t wait. As soon as you’re aware of your injury/illness, take the following steps immediately:
- Report your accident/condition in writing to your employer.
- File a workers’ comp claim with your employer’s insurance company.
- See a doctor recommended by the insurance company.
- Follow that doctor’s orders carefully.
- Consult an attorney if your employer or the insurance company disputes your claim or does not cooperate.
While most simple injury/illness claims are likely to be accepted, it’s always possible that your claim will be disputed or denied. If this happens, you have the right to appeal the decision. A workers’ comp attorney can help you through this process and greatly increase your chances of receiving fair benefits.
Have You Been Hurt on the Job in Florida?