If you are employed in Florida, you may well work for a company that is required to carry workers' compensation insurance. This is a special form of insurance designed to assist employees who have been injured in an accident at work or during the course of performing their jobs. One of the types of benefits provided by workers' compensation is the replacement of wages that you may earn if you cannot work because of your injury.
As explained by the Florida Division of Workers' Compensation, there are four categories of wage-loss replacement benefits available under the program. Two of these categories pertain to injuries that are said to be temporary instead of permanent. If you are able to work in a limited capacity after your injury, you might qualify for temporary partial disability benefits. If you cannot work at all after your injury but are expected to recover, you may qualify for temporary total disability benefits. Temporary benefits may be available for up to 104 weeks.
If you are not expected to recover to the point of being able to work again, you may qualify for permanent total disability benefits. Prior to receiving these benefits, you will be assessed based on the maximum recovery you have achieved or will achieve. This will determine your impairment income benefits.
If you would like to learn more about the type of benefits you may be entitled to after experiencing an on-the-job injury and how to apply for and receive these benefits, please feel free to visit the help for injured employees page of our Florida workers' compensation assistance website.