If you are employed in Florida, you know that you have a responsibility to perform your job duties. Your employer, however, also has some responsibilities to you. One of these may be to carry workers' compensation insurance.
According to the Florida Division of Workers' Compensation, state and local agencies, construction companies with even only one employee, and businesses with at least four employees should carry workers' compensation insurance. In addition, farm operations with more than four regular employees or more than 11 seasonal employees should also be insured. This insurance is to provide benefits for people who are hurt on the job by an accident or by an illness related to their work or workplace.
It is your responsibility to report an injury or an illness. You must first report this to the company you work for and they should report it to their insurance company. If, however, your employer does not report the claim to the insurer, you can do that yourself. Your report to your employer should be made within 30 days of learning you have a work-related illness or within 30 days of an incident that resulted in your work-related injury. If you do not make a report within the designated time, that might work against you when it comes to having your claim for benefits approved.
If you would like to learn more about how to pursue benefits after being injured at work or after developing a medical condition related to your working environment, please feel free to visit the workers' compensation filing process page of our Florida injured or ill employees' rights website.