People in Florida who are employed in most sectors and lines of work may be covered by a special type of insurance that provides assistance to them or their families after an injury or illness if the injury or illness is related to their employment. This is called workers' compensation. There are three types of benefits that workers' compensation may provide to someone depending on the situation.
One benefit type according to the Florida Division of Workers' Compensation is a death benefit. This may include compensation to dependents, educational support for spouses and funeral payments. A death benefit may be available up to 12 months after a person dies or after five years of disability. Medical benefits pay for an injured or ill worker to receive all necessary and related treatments. This may include diagnostic procedures, medication, therapy and more.
For a person who is rendered unable to work due to their injury or illness, the program may pay wage loss benefits. The amount of money and duration benefits may be available for will vary based on the nature of the condition. Delineations are made for disabilities that are temporary or permanent, for example. Another factor that determines benefits is whether a person is completely disabled or partially disabled.
If you would like to learn more about the different types of benefits that may be available after you or a loved one experience an accident or illness related to employment, please feel free to visit the employee and family benefits page of our Florida workers' compensation website.