Orlando, FL – The system of workers’ compensation in Florida is compulsory, that is, all employers are mandated by law to provide the insurance of workers’ compensation to their employees. The insurance could be provided either through self-insurance or a private insurance carrier. Also waivers are permitted as well.
Special Situations Concerning Employment
Normally, all those employers who have less than four employees working under him do not have to answer to the Workers’ Compensation laws in Orlando, Florida. Most of the agricultural employers have to provide workers compensation benefits to their employees.
However, if an agricultural employee has less than three employees working under him, he may be exempted from providing benefits. Employers can also offer voluntary coverage of workers’ compensation to their domestic servants.
Choice of Physicians and Medical Benefits
An employee can select a physician either from a list that is provided and maintained by an employer, or either the employer himself can designate a medical physician for the injured employee. If medical care is offered through an authentic and managed medical care arrangement, the worker may choose from a list of physicians provided by the managed care organization or the carrier.
After utmost medical development is made, a $10 patient co-payment is made obligatory for all medical care. If an injured worker is unsuccessful to appear for an independent planned medical exam, the injured employee becomes liable to over 50% of the fee charged by the healthcare provider for not showing up.
Benefits Provided On Disability
There are three types of disabilities and each has its own specific benefit of workers’ compensation allotted for the ease of the employee:
· Temporary Total Disability
The payments for the temporary total disability is defined in a percentage of the wage of the worker, as well which can be subjected to a weekly utmost amount of payment. These payments continue on for up to 104 weeks. However, these benefits are also subject to unemployment insurance benefit and social security offsets.
· Permanent Total Disability
The payments for the permanent total disability are calculated completely with the help of the percentage of the wage of the worker, which can be subjected to a weekly utmost amount of payment. These payments continue on until the disability remains
· Permanent Partial Disability
The payments for the permanent partial disability are calculated completely with the help of the percentage of the wage of the worker, which can be subjected to a weekly utmost amount of payment.
Workers’ Compensation Benefits Provided at Death
Workers’ compensation benefits that are provided at death are payable to the surviving members of the employee, whether it is their spouse or children, depending on the wages of the employee. Such death benefits are subject to a cap and even a burial allowance is necessary for the employer to provide.
Orlando Workers Compensation Attorney Contact Information
Contact Vaughan Law Group’s Orlando Workers Compensation Attorneys today for your free initial consultation. You can contact Vaughan Law Group at (407) 434-0074.
