Workers’ compensation coverage in Florida is required for construction companies who have one or more employees, according to the Florida Department of Financial Services. This gives construction workers who are injured a way to get help paying medical care and covering lost wages if they are injured while on the job.
It is important to note that workers’ compensation coverage by an employer doesn’t mean that an employee can’t seek compensation from a third party if the accident was caused by the negligence of a third party. The coverage is meant as insurance for the employer so that employees can simply file a request for benefits instead of having to sue the employer right away to get medical care and other benefits.
There are several benefits that a worker can seek under a workers’ compensation claim. Besides medical care, the worker can also seek compensation for temporary disability if the worker is going to be able to work again. Vocational rehabilitation might be possible if you are going to be able to return to work, but not to your previous job. Permanent disability is also possible if you are unable to return to work at all.
Generally, the benefits an injured construction worker will receive for workers’ compensation temporary disability is equal to around two-thirds of the normal pay you receive. Workers’ compensation is usually paid out every two weeks.
Construction workers who are injured on the job might have other options for seeking compensation. It is vital that any worker who was injured determine if other options apply to his or her case.
Source: FindLaw, “Construction Accidents and Workers’ Compensation,” accessed Oct. 04, 2015