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What is Workers’ Compensation Insurance?

workers compensation insurance

The Basics of Florida Workers Compensation Insurance

Workers’ Compensation is a benefit that is available to nearly all employees in Florida who suffer “an injury that arose out of and in the course of their employment”. That is true whether you are a full time, part time or even seasonal worker. It is used to pay an injured person’s medical care and a portion of their lost wages. Plus, it’s at no cost to the injured employee! Although it is supposed to be a self executing system, unfortunately without an attorney, the process can be quite complex and difficult to navigate. That is why hiring of the Law Offices of Evan M. Ostfeld, P.A. is an excellent step to make sure that you’ll receive all of the benefits that an injured worker is entitled to. 

Why Companies Need Workers’ Compensation Insurance

In the State of Florida, companies that employ four or more people are required to maintain insurance for workers’ compensation; that requirement is only one employee if the field of employment is construction law. Workers Compensation insurance coverage is required even if you are a part-time or seasonal worker! These insurance policies can also provide workers with greater peace of mind and the knowledge that they will be protected against financial consequences for injuries or illnesses incurred on the job. In many cases, the insurance policy for workers compensation will also include liability insurance for businesses, which will provide added help in managing costs associated with workplace injuries and illnesses. The combination of coverages included in a typical workers compensation policy is designed to protect the company financially against significant financial losses that could otherwise occur.

Work related injuries typically include the items below but by no means is an exhaustive list:

  • Workers’ Compensation Head, Neck, Back, Shoulder and Knee claims
  • Carpal Tunnel Syndrome / Repetitive Trauma type injuries
  • Reflex Sympathetic Dystrophy (R.S.D.)
  • Heart Attacks and Strokes
  • Occupational Diseases such as Asbestosis, Dermatitis and Hepatitis
  • Disfigurement and Scarring
  • Asthma or other Work Related Pulmonary Conditions
  • Amputations
  • Eye Injuries, Vision Problems and Hearing Loss
  • Burn Injuries

Some important workers’ compensation issues that arise most often include:

Whether your Employer properly classified you as an Employee or Independent Contractor at the time of the accident? Certain unscrupulous companies try to avoid paying workers’ compensation benefits by alleging that you are not entitled to them.

Did the injury occur while you were on the job, traveling to and from it or were merely located on the employer’s premises? Typically, going and coming to/from work is not covered under the law however there are exceptions.

What Benefits are you entitled to: Lost Wages, Medical Treatment and or a Tax-Free Lump Sum Settlement? Again, you cannot always trust your job and or their insurance company to tell you the truth about everything an injured person may be entitled to; so please ask us!

Choosing Physicians and Specialists in your area. Although workers’ compensation insurance does not operate like health insurance, we can still assist in obtaining medical care.

What type of Vocational Re-Training, Education and Job Placement Assistance are available if you cannot return to your previous occupation? The State of Florida offers assistance in this regard and at no cost to the employee.

Are there any other Federal / State / Private programs that may impact the amount of your benefits, i.e. Pensions, Short / Long Term Disability Plans, Social Security Disability Benefits, Supplement Security Income, Unemployment Benefits, etc. Know all the facts about how these various programs interact with one another by contacting our office for free information.

Legal Representation

Evan Ostfeld and his legal team are devoted to assisting his clients in working through this complicated area of the law. Our law firm shall protect your rights through all phases of the claim process, from choosing your doctors, ensuring the timely processing of the lost wages, determining the value of the claim, assessing as to whether a trial shall be necessary and or procuring a lump sum settlement if it is in your best interests. Plus we go out of our way to make sure that you are in constant contact with us, whether it by phone, email or text. Contact us today for a no obligation case evaluation  Toll Free (866) I SUE YOU (478-3968), (844) 411 KING (411-5464), (954) 227-7529, Text (954) 998-0075 and or  evan@attorney4life.com.

Below is a list of workers compensation insurance companies that our firm typically handles claims against.

  • Hartford Workers Comp
  • FCCI Workers Comp
  • Gallagher Bassett Workers Comp
  • Travelers Workers Compensation
  • ESIS Workers Comp
  • Zenith Workers Comp
  • Amcomp Preferred Workers Comp
  • Charter Oak Fire Insurance Workers Compensation
  • ACE American Workers Compensation
  • ACE USA Workers Comp
  • Amcompensation Preferred Workers Compensation
  • Ascendant Workers Comp
  • Berkshire Hathaway Workers Comp
  • Chubb Group Workers Compensation
  • Employers Mutual Workers Compensation
  • FFVA Workers Comp
  • FHM Workers Compensation
  • Florida Fruit and Vegetable Association Workers Compensation
  • Florists Mutual Workers Compensation
  • Insurance Co of the State of PA Workers Comp
  • Lumbermen’s Mutual Workers Comp
  • MCIC Workers Comp
  • PGCS Workers Compensation
  • SUNZ Insurance Workers Comp
  • Sea Bright Insurance Workers Comp
  • Sedgwick Workers Comp
  • St. Paul Transportation Insurance Workers Comp
  • USIS Workers Compensation
  • United Self Insured Services Workers Compensation
  • Wausau Insurance Workers Comp
  • Preferred Governmental Claims Solutions Workers Comp
  • State Farm insurance Workers Compensation
  • Bridgefield Employers Claims Center Workers Compensation
  • Walmart Workers Comp
  • CNA Workers Comp
  • Amerisure Workers Compensation
  • Publix Risk Management Workers Compensation
  • Zurich Workers Compensation
  • Twin City Fire Insurance Workers Compensation
  • ACE USA Workers Compensation
  • AIG Workers Comp
  • Ascendant Workers Compensation
  • Associated Industries Workers Compensation
  • Berkshire Hathaway Workers Compensation
  • Crum Services Workers Comp
  • Employers Mutual Workers Comp
  • Florida Fruit and Vegetable Association Workers Comp
  • Florists Mutual Workers Comp
  • Illinois National Workers Comp
  • Insurance Company of the State of PA Workers Comp
  • Old Republic Workers Comp
  • PMA Insurance Workers Compensation
  • Packard Claims Workers Compensation
  • Sedgwick Workers Compensation
  • Sentry Insurance Workers Comp
  • State Farm Insurance Company Workers Comp
  • Technology Insurance Workers Compensation
  • Wesco Insurance Workers Comp
  • Florida Hotel & Motel Workers Compensation
  • Florida League of Cities Workers Comp
  • Sea Bright Insurance Workers Compensation
  • Florida Hotel Motel Workers Comp
  • Bridgefield Employers Claims Center Workers Comp
  • Michigan Commercial Insurance Workers Comp
  • CNA Workers Compensation
  • Liberty Mutual Workers Compensation
  • Sedgwick CMS Workers Compensation
  • Summit Consulting Workers Compensation
  • Amtrust Workers Comp
  • Associated Industries Workers Comp
  • AIG Workers Compensation
  • Broadspire Services Workers Comp
  • Broadspire Services Workers Compensation
  • Chubb Group Workers Comp
  • Crum Services Workers Compensation
  • FFVA Workers Compensation
  • Florida League of Cities Workers Compensation
  • Hortica Workers Comp
  • Illinois National Workers Compensation
  • Insurance Co of the State of PA Workers Compensation
  • Lumbermen’s Mutual Workers Compensation
  • Michigan Commercial Insurance Workers Compensation
  • SUNZ Insurance Workers Compensation
  • Sentry Insurance Workers Compensation
  • Southern Insurance Workers Compensation
  • Twin City Fire Insurance Workers Comp
  • USIS Workers Comp
  • United Self Insured Services Workers Comp
  • Wausau Insurance Workers Compensation
  • St. Paul Transportation Insurance Workers Compensation
  • Technology Insurance Company Workers Comp
  • Preferred Governmental Claims Solutions Workers Compensation
  • FCCI Mutual Insurance Co Workers Comp
  • FCCI INSURANCE GROUP Workers Comp
  • Charter Oak Fire Insurance Workers Comp

Law Offices of Evan M. Ostfeld, P.A.
The Coral Springs Professional Campus
5421 N. University Drive, Suite #102
Coral Springs, FL 33067-4638

(866) I-SUE-YOU   (478-3968)
(866) BAD RXRX  (223-7979)
(844) 411-KING     (411-5464)
(954) 227-7529
(954) 998-0075 Text
(954) 227-1243 Fax
email: evan@attorney4life.com

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