Factors That Workers Compensation Insurance Does Not Cover

Worker’s compensation insurance is required in Florida for firms with four or more employees. If you’ve been hurt at work, you’ll need our Florida workers’ compensation lawyers to help you seek compensation from your boss.

You can sue your employer for worker’s compensation if you are injured on the job. However, the law may preclude you from receiving workers’ compensation in some valid circumstances. Your activities are usually the cause of your disqualification.

How does Workers Compensation Insurance work? 

Employees are legally protected under workers’ compensation when they are injured or become ill as a result of their work. Workers’ compensation assures that the employee’s medical treatment or rehabilitation is compensated when a claim is filed. Workers’ compensation may also mandate the amount of lost pay the employee receives if the employee is unable to work, either temporarily or permanently.

Factors that do not fall under Workers Compensation Insurance 

Medical costs, missed income, the cost of medical equipment and medicines, disability payments, and other expenses are covered by a successful workers’ compensation claim. What, on the other hand, disqualifies you from being covered by this insurance?

• If you intentionally injured yourself. 

If you injure yourself on the job and your employer discovers it, you may be barred from getting any compensation. You should not commit such fraud. If you do, you will be responsible for your own harm, and your employer may even discipline you.

• If you disobey work rules and regulations 

You may be injured if you defy your employer’s safety standards and refuse to use safety equipment. If you are wounded as a result of your disobedience, you may be denied reimbursement for your injuries.

• If you were intoxicated. 

Almost every job has policies prohibiting intoxication or drug usage while on the job. Drunkenness and drug abuse hinder your productivity at work. If you are hurt at work while inebriated or on drugs, you will very certainly be denied workers’ compensation benefits due to your drunkenness.

Contact a Workers Compensation Attorney in Florida today! 

Because workers’ compensation is often the only option for an on-the-job injury, it’s critical to make sure you get all of the benefits you deserve. An experienced workers’ compensation attorney can assist you with this. Contact a Workers’ Compensation Attorney today! 

Logos Insurance Services would be happy to assist you in determining whether you require workers’ compensation insurance and, if so, what types of policy coverages would be most appropriate for your budget and circumstances. Call us at (818) 860-4400 or visit our website www.logosinsure.com to learn more about workers’ compensation insurance.