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A Non-construction industry employer is required to obtain a Florida policy through a Florida-licensed insurance company once it has 4 or more employees working in Florida.
Do You Have to Pay for Anything While Collecting Workers' Compensation Benefits in Florida? If you were injured at work and are entitled to workers' compensation benefits, your employer's insurance company will cover your lost wages, medical bills, and some other expenses.
Florida law states that workers' compensation insurance is required when a business has four or more employees, either full- or part-time.
What Happens After I Reach Maximum Medical Improvement (MMI)? If you have been injured at work, under workers compensation regulations, your employer is obligated to provide free medical care plus weekly wage loss benefits until you can return to your job.
Florida workers' compensation law allows an injured worker to receive up to a maximum of 104 weeks of temporary compensation. The employee must remain on a "no work" status\u2014or under limitations which an employer cannot accommodate\u2014in order for benefits to be claimed for the week.
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After a work-related injury or illness, the employee can make a claim against the employer's workers' compensation insurance policy. If accepted by the insurance company, the employee could receive funds to cover medical expenses and a disability payment plan.
After reaching MMI, you will be entitled to additional medical treatment that is related to the injury for a limited time, generally 5 years after the date you were injured. This treatment is geared towards maintaining MMI and helping you to continue working, as opposed to improving your condition.
In Florida, the average settlement time for workers' compensation cases is 1.5 years. In some cases, about 20%, you can get paid within six months or less. But there are ways to speed up the process and get your payment as soon as possible.
Most but not all Florida companies are required to get workers compensation insurance in the state of Florida. Here's who must have it: Employers who have four or more employees including business owners who are corporate officers or Limited Liability Company (LLC) members.
Generally speaking, any business with fewer than four employees is exempt from workers' compensation insurance. Businesses with four or more employees, whether those employees work part-time or full-time, must carry workers' compensation insurance that covers all employees.

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