Workers’ compensation is a system in the United States that provides benefits to employees who are injured or become ill due to their job. State governments usually administer the program as part of social welfare programs.
In Florida, workers’ compensation is regulated by the Florida Department of Financial Services, Division of Workers’ Compensation. Benefits can include medical expenses, income replacement, and death benefits. If you are injured or become ill due to your job in Florida, you may be eligible for workers’ compensation benefits.
In 2022, there will be some changes to Florida workers’ compensation. These changes are going to affect both employees and employers in the state. Here are some highlights of what is changing and what you need to know.
What Are the Changes to Florida Workers’ Compensation in 2022?
The Florida Office of Insurance Regulation has approved a 4.9% decrease in workers’ compensation insurance rates for 2022, which will save employers approximately $119 million in premium dollars compared to the current year.
This is the seventh consecutive time the Office of Insurance Regulation has approved a rate reduction for workers’ compensation rates. The changes will take effect on January 1, 2022.
The approved rate change is effective for all coverages under Chapter 440, F.S., including Basic Economic Loss, Bodily Injury, and Property Damage liability insurance; Third Party Liability/Contractual Liability; Employer’s Liability (occupational disease); First-Party Benefits coverage; medical coverage; Supplemental Unemployment Benefits coverage; and coverage for self-insurers.
This is good news for Florida workers and businesses as it will help lower costs and allow companies easier access to funds and financing options. Many insurance agents were embracing these changes with an unbiased view since this would be beneficial to both the employer and the employee.
Additionally, most business owners were relieved at this news because they can continue putting their time and energy into what matters — growing their business instead of putting out unnecessary fires due to rising premiums or lack of available capital.
Is Workers’ Compensation Insurance Required in Florida?
Yes, Florida law requires that most employers provide workers’ compensation insurance.
The Division of Workers’ Compensation (DWC) is responsible for administering the
Florida Workers’ Compensation Law
This law requires that every employer with one or more employees must ensure their liability to pay benefits to workers injured during the course and scope of employment — against any legal liability for personal injury by accident or occupational disease due to their employment and subject only to certain statutory exemptions.
The DWC may adopt rules which interpret, implement, enforce and specify this mandatory requirement for all employers.
How Do I Get Workers’ Compensation in Florida?
The state of Florida requires all employers to carry workers’ compensation insurance or be approved as a self-insured company. Employees injured at work must file the claim with their employer, even if they weren’t sure how it happened.
No one is allowed to sue an employer for work injuries that occurred on the job because “no-fault” laws prevent employees from receiving personal injury benefits.
Florida is a no-fault state for worker’s compensation, which means your employer will not have to pay any medical bills related to your accident unless there was negligence involved in causing the injury.
You do not need to show that you were careless or negligent to receive workers’ comp benefits either. You must, however, report your injury to your employer as soon as possible.
Getting a Florida Worker’s Compensation Lawyer
In this modern world, there are different types of people who have been injured at their workplace. Applicable injuries can result from a variety of reasons, including accidents on the worksite, slips and falls on the premises, carelessness of an employer or co-workers, defective products leading to injury, etc.
If you were injured at work because of a faulty product or machine, have been bitten or stung by an animal, pulled a muscle carrying a heavy object, or suffered from stress and anxiety because your employer does not make safety a priority, the Sternberg / Forsythe, P.A can help.
We focus on getting the best available recovery for our clients and their families in every case we handle. We understand what you are going through and can help get your life back to normal to return to the job you were doing before you were injured. Our Florida workers’ compensation attorneys have years of experience in dealing with workers’ compensation, and we know the ins and outs of the system. Call us now for help navigating your workers’ comp case.