Facing a work-related injury in Florida can bring about financial strain and uncertainty. Workers’ compensation benefits serve as a lifeline, offering financial assistance and support during the recovery process. Understanding how long workers comp benefits last is pivotal.
Our attorneys at Work Injury Rights are here to help you navigate the complexities of the workers’ compensation system effectively. Let’s delve into the duration of Florida workers comp benefits and the different types available to injured workers.
Temporary Total Disability Benefits
Temporary total disability benefits in Florida provide income replacement to workers temporarily unable to work due to a work-related injury or illness. TTD benefits are calculated at 66 2/3% of the worker’s average weekly wage, subject to limits set by state law.
Typically, these benefits continue until the injured worker is cleared to return to work or reaches maximum medical improvement (MMI). MMI is a point where the condition is not expected to improve with more treatment.
However, Florida law limits the maximum duration of TTD benefits. You can up to a total of 104 weeks of temporary disability benefits.
Temporary Partial Disability (TPD) Benefits
Temporary partial disability benefits may be available to workers who can return to work in a limited capacity or with restrictions that result in reduced earnings. These benefits provide partial income replacement to make up for the difference between the worker’s pre-injury wage and their post-injury earning capacity.
You can receive TPD and TTD disability benefits for up to a total of 104 weeks.
Permanent Impairment Benefits
Workers who sustain permanent impairments or disabilities as a result of a work-related injury may be entitled to permanent impairment benefits in Florida. These benefits compensate workers for the loss of function or mobility caused by their injuries and are typically calculated based on the severity of the impairment as determined by a qualified medical provider.
The impairment rating determines how long these benefits last based on a formula in Florida law. Permanent impairment benefits may be paid in a lump sum or as ongoing payments.
Permanent Total Disability (PTD) Benefits
Permanent total disability benefits are available to workers with permanent impairments preventing any gainful employment. Providing ongoing financial support, PTD benefits are calculated at the same rate as TTD benefits.
Some very serious injuries, like losing an arm or leg or having a bad brain injury, automatically mean you can’t work anymore and qualify for permanent total disability benefits.
PTD benefits continue until you’re 75 years old or for your whole life if you are not eligible for Social Security benefits.
There is no time limit on coverage for medical treatment related to your workplace accident. You can receive medical benefits until you no longer need care or until you reach a settlement with the insurer. You must regularly see an authorized physician while workers’ compensation pays for medical treatment.
Workers Comp Settlements
Workers’ compensation settlements are agreements reached between the injured worker and the workers’ compensation insurance carrier, typically negotiated with the assistance of legal representation. The settlement amount is often based on factors such as the severity of the injury, anticipated future medical expenses, lost wages, and disability ratings.
In a settlement, the injured worker agrees to accept a lump sum payment or structured settlement in exchange for giving up their right to pursue further compensation or benefits related to the injury through the workers’ compensation system.
How Our Florida Workers Compensation Lawyers Can Help
A workers’ compensation lawyer offers invaluable assistance to injured workers throughout their entire case. From the initial consultation to the resolution of the claim, lawyers serve as advocates for their clients.
Attorneys can help you receive the full scope of benefits you are entitled to under the law. These attorneys assist with every aspect of the workers’ compensation process, including filing initial claims, navigating complex legal procedures, and handling disputes with insurance companies.
Let Us Help You Get the Workers Comp Benefits You Deserve
Navigating the workers’ compensation system can be complex, involving medical treatments, legal procedures, and interactions with insurance companies. If you’ve sustained a work injury in Florida, seeking guidance from an experienced workers’ compensation attorney is crucial. They can help you understand your rights and advocate for the benefits you deserve.
With our Florida workers comp lawyers on your side, you can navigate the process confidently, knowing your best interests are protected. Contact Work Injury Rights today at 954-833-5226 for a free consultation.