{"id":372641,"date":"2016-10-18T13:34:30","date_gmt":"2016-10-18T18:34:30","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/state\/florida-law\/florida-workers-compensation-laws.html"},"modified":"2018-12-06T15:39:13","modified_gmt":"2018-12-06T20:39:13","slug":"florida-workers-compensation-laws","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/florida-law\/florida-workers-compensation-laws.html","title":{"rendered":"Florida Workers&#8217; Compensation Laws"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Florida Workers&#039; Compensation Laws<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    <p><i>Created by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw&#8217;s team<\/a> of legal writers and editors<\/i><\/p>\n\n                | Last updated\n        <time>\n                            December 06, 2018\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>While most people think of Florida as a place to vacation, you know full well that it takes a lot of workers to provide services to all of those tourists. Whether you spend your days dressed up as Cinderella or you&#8217;re a proud senior caretaker, if you are injured at work, you need to prepare yourself to fight for your rights under Florida workers&#8217; compensation laws.<\/p>\r\n<p>Below, you\u2019ll find a chart laying out Florida workers\u2019 compensation laws, followed by answers to your questions about how workers\u2019 comp works in the Sunshine State.<\/p>\r\n<table cellspacing=\"0\" cellpadding=\"7\" border=\"1\">\r\n<tbody><tr><td><p><b>Statute of Limitations<\/b><\/p>\r\n<\/td>\r\n<td><ul>\r\n<li>30 days to report your injury to your employer, though there are exceptions (<a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxi-labor\/fl-st-sect-440-185.html\" target=\"_blank\" rel=\"noopener\">\u00a7 440.185<\/a>)<\/li>\r\n<li>2 years is the hard deadline for filing petitions for benefits, but even then there are exceptions (<a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxi-labor\/fl-st-sect-440-19.html\" target=\"_blank\" rel=\"noopener\">\u00a7 440.19<\/a>)<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><tr><td><p><b>Limits on Benefits<\/b><\/p>\r\n<\/td>\r\n<td><ul>\r\n<li>$863\/week as of 1\/1\/2016 (<a href=\"http:\/\/www.myfloridacfo.com\/division\/WC\/insurer\/bma_rates.htm\" target=\"_blank\" rel=\"noopener\">FL Rate Table<\/a>)<\/li>\r\n<li>TTD benefits = 66 2\/3% of your avg. weekly wages, 80% for critical injuries (<a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxi-labor\/fl-st-sect-440-15.html\" target=\"_blank\" rel=\"noopener\">\u00a7 440.15(1)<\/a>)<\/li>\r\n<li>TPD benefits = 80% of the difference between 80% of your wages pre-injury and your wages post-injury (<a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxi-labor\/fl-st-sect-440-15.html\" target=\"_blank\" rel=\"noopener\">\u00a7 440.15(4)<\/a>)<\/li>\r\n<li>Impairment benefits are determined by your impairment rating (<a href=\"http:\/\/www.myfloridacfo.com\/division\/wc\/employee\/calculators\/IBcalc.htm\" target=\"_blank\" rel=\"noopener\">Impairment Income Benefit Calculator<\/a>)<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><tr><td><p><b>Time Limits on Benefits<\/b><\/p>\r\n<\/td>\r\n<td><ul>\r\n<li>Benefits begin on day 8 for disabilities that last less than 22 days (<a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxi-labor\/fl-st-sect-440-12.html\" target=\"_blank\" rel=\"noopener\">\u00a7 440.12<\/a>)<\/li>\r\n<li>If the disability lasts more than 21 days, benefits are allowed from day 1 (<a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxi-labor\/fl-st-sect-440-12.html\" target=\"_blank\" rel=\"noopener\">\u00a7 440.12<\/a>)<\/li>\r\n<li>Benefits for psychiatric claims stemming from physical injuries are limited to 6 months (<a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxi-labor\/fl-st-sect-440-093.html\" target=\"_blank\" rel=\"noopener\">\u00a7 440.093<\/a>)<\/li>\r\n<li>104 weeks of TTD and\/or TPD benefits (<a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxi-labor\/fl-st-sect-440-15.html\" target=\"_blank\" rel=\"noopener\">\u00a7 440.15<\/a>)<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><tr><td><p><b>Other Limits<\/b><\/p>\r\n<\/td>\r\n<td><ul>\r\n<li>Double damages for injuries suffered by illegally employed minors (<a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxi-labor\/fl-st-sect-440-54.html\" target=\"_blank\" rel=\"noopener\">\u00a7 440.54<\/a>)<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><\/tbody><\/table>\r\n<h2>What are workers&#8217; compensation benefits?<\/h2>\r\n<p>Fortunately, Florida requires most employers to provide <a adhocenable=\"false\" href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/workers-comp-in-depth.html\" target=\"_blank\">workers&#8217; compensation insurance<\/a> for their employees. In Florida, workers&#8217; compensation benefits are essentially a form of wage replacement. How much you are entitled to receive depends on how much your ability to work is impacted by the injury. In Florida, you do not need to prove that your employer was at fault for your injury\u2014only that the injury occurred while you were working.<\/p>\r\n<p>Most accidental injuries and occupational diseases which occur in the course and scope of employment are covered by workers&#8217; compensation. However, mental or nervous injuries are not covered unless they stem from a physical injury.<\/p>\r\n<h2>Will I receive benefits equal to my wages?<\/h2>\r\n<p>No matter how much your wages are, if you make more than $20 per week, your disability compensation <a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxi-labor\/fl-st-sect-440-12.html\" target=\"_blank\" rel=\"noopener\">will be limited<\/a> to 100% of the statewide average weekly wage. As of January 1, 2016, the maximum weekly compensation was <a href=\"http:\/\/www.myfloridacfo.com\/division\/WC\/insurer\/bma_rates.htm\" target=\"_blank\" rel=\"noopener\">$863<\/a>. The amount you may receive may be further limited based on the percentages below.<\/p>\r\n<h2>What benefits are available?<\/h2>\r\n<p>In addition to medical care coverage, three types of benefits are available: <a href=\"http:\/\/www.myfloridacfo.com\/division\/wc\/employee\/calculators\/TTcalc.htm\" target=\"_blank\" rel=\"noopener\">temporary total disability<\/a> (TTD), <a href=\"http:\/\/www.myfloridacfo.com\/division\/wc\/employee\/calculators\/TPcalc.htm\" target=\"_blank\" rel=\"noopener\">temporary partial disability<\/a> (TPD), and <a href=\"http:\/\/www.myfloridacfo.com\/division\/wc\/employee\/calculators\/IBcalc.htm\" target=\"_blank\" rel=\"noopener\">impairment benefits<\/a>. TTD benefits are equal to 66 2\/3% of your regular wages in most cases. If you can return to work but are unable to earn the wages you were earning prior to the injury, TPD benefits pay you 80% of the difference between 80% of your wages before your injury and what you are able to earn now. Finally, impairment benefits pay you for any permanent disability resulting from your injury.<\/p>\r\n<h2>Do I need to report my injury during a certain period of time?<\/h2>\r\n<p>While there are exceptions, generally you must report a work related injury within <a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxi-labor\/fl-st-sect-440-185.html\" target=\"_blank\" rel=\"noopener\">30 days<\/a> of the date or initial manifestation of the injury. Ultimately, you must file a petition for benefits within <a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxi-labor\/fl-st-sect-440-19.html\" target=\"_blank\" rel=\"noopener\">2 years<\/a> of your injury, but even then there are exceptions to the 2 year limitation.<\/p>\r\n<h2>When do benefits begin and for how long?<\/h2>\r\n<p>In Florida, when your benefits begin depends on how long your disability lasts. If your disability lasts fewer than 22 days, your benefits do not begin until day 8 of your disability. However, if your disability lasts <a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxi-labor\/fl-st-sect-440-12.html\" target=\"_blank\" rel=\"noopener\">more than 21 days<\/a>, you may receive benefits dating back to day 1 of your disability.<\/p>\r\n<p>Whether you are receiving TTD or TPD benefits, you can receive only up to 104 weeks of benefits. If you are receiving 80% of your regular wages due to a critical injury, the time limit is shortened to only 6 months.<\/p>\r\n<h2>Are there any restrictions I should know about?<\/h2>\r\n<p>In Florida, your workers&#8217; compensation insurance company must authorize the doctor who is treating you. Also, unlike many other states, workers&#8217; compensation laws in Florida do not require that your employer keep your job available for you to return to when you are healthy enough to do so.<\/p>\r\n<h2>What can I do if my benefits are denied?<\/h2>\r\n<p>If your benefits are denied, an attorney can help you file a lawsuit against the workers&#8217; compensation insurance company. Your claim might be based on many causes of action, including an inaccurate diagnosis by the workers&#8217; compensation insurance doctor or an inaccurate calculation of your regular wages.<\/p>\r\n<h2>Problems With Your Workers&#8217; Comp Claim? An Attorney Can Help<\/h2>\r\n<p>Florida&#8217;s business-friendly laws could easily prevent you from getting the benefits you&#8217;re legally entitled to. Whether you&#8217;re concerned that the doctor you were instructed to see misdiagnosed you or your insurance is simply refusing to pay your benefits, a <a href=\"https:\/\/lawyers.findlaw.com\/personal-injury-plaintiff\/florida\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">Florida injury law attorney<\/a> will be able to protect your rights.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i 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