Limitations of Workers Comp In Florida

March 9, 2019
Workers' Compensation Coverage — State of Florida — Our Pharmacy Network (OPN)

There are many resources that are available to employees who have been injured due to a work-related incident. Workers’ comp in Florida is a resource that provides assistance with medical expenses, lost wages, and rehabilitation costs to employees who are injured or become ill during the course and scope of their job. This type of insurance also pays death benefits to families of employees who are killed on the job. Our Pharmacy Network is another available resource for injured workers.

Our Pharmacy Network is a specialty pharmacy that is dedicated to not only helping injured workers in their time of need but also educating the working community about the benefits that they are entitled to should they find themselves in this situation. We go above and beyond, working with all involved parties in the workers’ comp process including treating physicians, personal injury attorneys, and insurance companies to help to expedite the workers’ comp process for medication delivery and prescription refills. When it comes to workers’ compensation benefits, there are limitations put in place. Understanding these limitations will help injured workers navigate their workers’ comp benefits.

Insurance Policy Limits For Workers’ Comp Claims in Florida

The majority of workers’ compensation insurance policies are created with the minimum limits required by the state of Florida. The employers’ liability limits are:

  • $100,000 per occurrence for bodily injury
  • $100,000 per employee for bodily injury by disease
  • $500,000 policy limit for bodily injury by disease  

Insured persons have the option of increasing their coverage to $500,000 or $1 million, depending on the insurance company.

Limitations Of Workers Comp Benefits

The amount paid to an injured employee is set by the workers’ compensation board in each state. The limit of how much an injured worker can receive benefits directly relates to their weekly wage and the severity of their injury. In that state of Florida, workers’ comp payouts are equal to two-thirds of an injured worker’s average weekly wage. If an injury is considered severe causing an amputation, blindness, or paralysis, then an injured worker will be paid 80% of their regular wages for the first six months. Workers’ comp benefits cannot exceed a maximum amount set by the state of Florida, which in 2018 was $917. It is important to understand that workers comp pays only a portion of lost wages and it does not compensate for pain and suffering caused by a work-related injury.

How Our Pharmacy Network Can Help You

When it comes to limitations in regards to workers’ comp benefits, it is important that you get all of the benefits that you are entitled to. An experienced workers comp pharmacy like Our Pharmacy Network can help you do that. Our knowledgeable staff will help you every step of the way throughout the workers’ comp process. We will be on top of communication with your treating physician in order to get your prescriptions filled and refilled on time so you can focus on healing and resuming your normal life. If you have recently been injured due to a work-related injury and you currently in the process of, then give us at 844-238-9313.

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