Lost Wages

In the State of Florida, the law requires all employers to cover lost wages and related costs of an injured employee. Even in professional offices, like an architectural firm, that seem an unlikely place for a workplace injury, an employer can be caught by surprise when an assistant injures their back reaching for office supplies on a high shelf. Since injuries can occur in any work environment, employers are strongly encouraged to ensure they have adequate workers' compensation insurance.

Can Insurance Cover Lost Wages?

Yes, a workers' compensation policy covers an employee's wages when they are unable to work due to a work-related injury or illness. The policy provides a financial safety net, ensuring the employees receive a portion of their income while they are recovering.

Lost Wages for Injured Workers in Florida

An employee may be eligible for wage replacement benefits when they are temporarily or permanently unable to work due to an on-the-job injury. These benefits are typically calculated as a portion of the employee's average weekly wages (AWW), which is based on the 13 weeks of earnings before the injury. The specific amount and duration depend on the severity of the injury and the type of disability.

• Temporary Total Disability (TTD): Paid when an employee is totally disabled and unable to work. Benefits are typically two-thirds (66.67%) of the AWW, up to a state-mandated maximum. Benefits can last for up to 104 weeks.
• Temporary Partial Disability (TPD): For employees who can return to work with a reduced capacity or fewer hours. This benefit helps replace a portion of the lost income.
• Permanent Total Disability (PTD): For employees who are permanently unable to work due to a catastrophic injury. In these cases, benefits can continue for the rest of the employee's life.

Other Benefits

In addition to reimbursement for lost wages, an employee claiming workers' compensation may be eligible for other benefits, including vocational rehabilitation and mileage reimbursement for travel to and from medical appointments.

Medical Expenses

Workers' compensation covers 100% of all authorized, medically necessary treatment for a work-related injury, including doctor visits, physical therapy, and prescriptions.

Disability Benefits

A workers' comp policy also compensates an employee for a permanent impairment that results from an at-work injury. The benefit amount is calculated based on the severity of the impairment.

Death Benefits

In the tragic event of a job-related fatality, the policy provides a lump sum for funeral expenses and ongoing benefits for surviving family members.

Lost Wages Reimbursement for Non-Work Related Injuries

It is important to understand that workers’ compensation only applies to injuries or illnesses that are a direct result of their duties. If an employee is unable to work due to a non-work-related illness or injury—for instance, they fracture an ankle while playing sports or get ill on vacation—workers' compensation will not cover their lost wages. In those situations, employees will use their own sick time, paid time off, or a short-term disability policy, if offered by their employer or purchased separately.

How to File a Claim for Lost Wages

The process of filing a workers' compensation claim in Florida involves specific responsibilities for both the employee and the employer:

Employee Responsibilities

• Report the Injury: The most critical step for an employee is to report the injury to their employer as soon as possible, but no later than 30 days from the date of the incident.
• Seek Medical Care: The employee must seek medical treatment from a doctor authorized by the Florida Workers Compensation System.

Employer Requirements

• Report the Claim: Once an injury is reported, the employer is legally required to notify their workers' compensation insurance carrier within seven days.
• Authorize Care: The employee must seek medical attention from an authorized medical provider who is specifically trained to handle workers comp cases.
• Cooperate with the Insurer: The employer must cooperate with the insurance carrier and provide all necessary information, including the employee's wages, to ensure a smooth claims process. The insurance carrier will review the claim, determine the benefits, and make the necessary payments to an eligible employee.

Call CIS for Lost Wages Reimbursement in West-Central Florida

Commercial Insurance Specialists is a Trusted Choice independent agency, which reflects our commitment to providing exceptional service and a broad range of insurance options, including coverage for medical expenses, lost wages, and more. We understand that every business is unique, which is why we offer custom solutions to fit your specific needs and budget. Our clients include masonry contractors, roofers, architects, and other professionals in St. Pete, Riverview, New Port Richey, Zephyrhills, and surrounding Gulf Coast and Central Florida communities.

Just give us a call, and we will gladly find the best rates and coverage options for your business from highly rated carriers. Contact us today for a free, no-obligation commercial insurance quote!