In Florida, workers compensation policies provide financial assistance for injured workers. All employers are required to purchase the policies for their workers to cover these liabilities. A failure to purchase the policy is a violation of the law. A Workers Compensation Attorney in Vero Beach FL provides legal assistance when workers are denied benefits.
Who Starts the Injury Claim?
The worker’s manager obtains the worker’s compensation forms through their human resources department. The human resources department provides claim forms to the workers. All forms are processed by the human resources manager. The manager is the liaison between the company and the insurer. However, the insurer contacts the worker directly to give them an answer about their claim.
What Reasons are Workers Denied Coverage?
Workers receive an initial payment for their first doctor’s visit. If the condition requires ongoing treatment, the policy pays for the medical expenses. It doesn’t provide monetary benefits unless the worker isn’t able to return to work. The worker is denied benefits if they fail to follow company safety policies. The company also requires a drug and alcohol screening to determine if the worker was impaired. If he or she fails the screening, they are disqualified for benefits automatically.
What are the Workers Choices After a Denial?
The worker is entitled to an appeal after they are denied benefits. The appeal provides the worker with a new evaluation of their claim. On the other hand, the worker could file a legal claim against their employer and the insurer. However, legal claims are filed when the worker has serious injuries.
Does a Company Disability Policy Help Injured Workers?
When the worker maxes out the worker’s compensation benefits, a disability policy could assist them. The policies provide wage replacement and help with certain medical costs.
In Florida, workers compensation policies offer payments for medical expenses and wage replacement. The value of the wage replacement benefits is around eighty percent of the worker’s wages. Certain clauses in the policy allow employers to deny benefits to their injured workers. Any workers who need assistance from a Workers Compensation Attorney in Vero Beach FL can contact Matheson, Horowitz & Devonmille for an appointment now.
