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When is workers' compensation coverage necessary?

When workers suffer injuries on the job, they may need to seek medical care. There is no reason for them to be responsible for the cost of this care, but some employers might not have the cash to be able to pay for it either. This is where workers' compensation coverage comes into the picture.

Workers' compensation coverage is a program that covers medical bills related to the on-the-job injury and can provide other benefits that help injured employees. Understanding some of the basic information about workers' compensation can help some individuals who need to count on the benefits.

Which employers must have coverage?

The type of business has a part in when they are required to have coverage. The number of employees also matters.

Agriculture businesses that have at least six regular employees must have coverage. If they have at least 12 seasonal workers who work more than 30 days in a season but not more 45 days per year, they also need coverage.

Construction workers who have at least one employee, which includes an owner who is non-exempt, needs coverage. If the company employs subcontractors, the subcontractor is responsible for the coverage but the company must verify that the coverage exists.

Other companies must have coverage if they have at least four employees. A nonexempt owner is considered an employee when determining whether a policy is needed.

Who pays for the coverage?

Employers must pay for workers' compensation policies. They can't pass the cost along to employees since this is considered a regular operating cost. Employees can't be expected to pay any of the costs related to the work-related injury medical bills, so employers bear the burden if there isn't a suitable policy in place.

Are any conditions excluded?

Florida law doesn't allow for workers' compensation payments to be made because of nervous or mental conditions that are due to excitement, stress or fright. Injuries caused intentionally by a worker and those that occur when a worker is intoxicated aren't covered. Workers' compensation won't pay for pain and suffering damages.

These laws are meant to protect the workers and businesses. There might be instances in which a person is denied benefits they should receive. These individuals can file an appeal of the ruling as long as they follow the proper procedures and file their appeal within the established time limits.

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