Does Workers Comp Cover Covid-19?

April 12, 2021
front line workers

With the events of the past year, the world has seen an increase in the importance placed on health and wellness. There are several reasons for such a development but the chief contributing factor is the Covid-19 pandemic. Over the course of last year, many discoveries we made, and people have become more educated about new possibilities in healthcare and wellness. We have discovered information about current practices that have changed our perception of whether they are actually health practices or not. The influential events of 2020 have also impacted the perception of various health and wellness practices.

The Impact of the Past Year on Present Trends

The arrival of COVID-19 impacted many aspects of human life, and health and wellness trends were no exception. The unique experiences gained through extended periods of quarantine and little face-to-face interaction left their mark, showing us that even when forced to endure all sorts of extreme challenges, there are still ways to continue taking care of yourself and promoting a healthier lifestyle. These realizations have become instrumental in shaping the present trends. Here’s what you can expect to see in 2021.

Is Covid-19 Covered by Florida Workers’ Comp?

Depending on the circumstances, COVID-19 may be considered an occupational illness or disease which is covered by Workers’ Comp. For an occupational disease to be covered by workers’ compensation, it must arise out of and in the course of employment. There are a number of factors that must be met in order to constitute the “out of and in the course of employment” requirement, including:

  • There must be a direct causal connection between the conditions under which the work is performed and the occupational disease
  • It does not come from a hazard to which workers would have been equally exposed outside of employment
  • The occupational disease followed as a natural incident of the work as a result of the exposure caused by the nature of the employment
  • It can be fairly traced to employment as the proximate cause

This means there must be a direct connection between your work and exposure to COVID-19. Simply contracting the illness does not mean that you will be covered by workers’ compensation. However, if you are a healthcare professional or a first responder and you contract COVID-19 in the scope of your employment, you are likely covered by workers’ compensation.

What Do I Do If I Contract COVID-19 in the Scope of My Employment?

If you contract COVID-19 and believe that it was due to your employment, there are some necessary steps you must take to ensure that you are covered by workers’ compensation. First, you must notify your employer within seven (7) days of discovering you have the illness. This is done by completing a Notice of Accident/Illness form. You are also required to get medical treatment within 90 days of discovering the illness. A Claim for Compensation form must be completed and submitted to your employer documenting your treatment.

If you are diagnosed with COVID-19, we recommend that you immediately complete a Notice of Accident/Illness form. As noted above, the good news is that all signs indicate that recovery from COVID-19 is likely, and it will not likely require any specific treatment and will not result in any lasting effects. If your condition does not require any specific medical treatment or result in time loss from work, we do not recommend that you file a Claim for Compensation form. However, as previously indicated, if your condition progresses or leads to symptoms that do require specific medical treatment and/or time loss from work, you have 90 days to file the claim. Make sure you adhere to this strict 90-day deadline provided by the statute. We recommend that you calendar yourself a reminder to file a Claim for Compensation form, should that become necessary.

Best Workers Comp Pharmacy in South Florida

At the time of publication of this blog, the state of Florida has limited workers’ compensation coverage to only a select subset of “essential workers” deemed as “frontline state employees” who are at a higher risk of contracting COVID-19 based on the nature of their jobs. These jobs include Doctors, Nurses, Fire and Rescue, Paramedics and other first responders, police officers, department of corrections officers, and state employees working in healthcare fields. This designation leaves many workers without a guarantee of coverage in the event of contracting a disease like COVID-19. This is where the team of attorneys affiliated with Our Professional Network comes into play. They will go to work on your behalf to get you the necessary Florida workers’ compensation you deserve.  If you need more answers concerning Florida workers’ compensation that weren’t provided to you here, feel free to call us today at  844.238.9313 or visit our contact page.



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