Florida Workers Comp Articles

Archive for June, 2011

Details of Return-to-Work Programs

The actual process of returning an injured employee to work begins when the physician releases the employee. Frequently, the physician only provides the insurance provider or the employer with the return-to-work date. Written clarification to the employee of the return-to-work date must be made by the carrier/employer. When the verification has been sent on when […]

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Return-To-Work Programs

An employer’s involvement in workers’ compensation is extremely important. This involvement takes many different forms. However, the most important involvement begins when the treating doctor releases the injured employee to return to work in some type of modified work or employment without limitation. Only the employer can make a difference as to whether or not […]

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Videos: Statute of Limitations

The statute of limitations is an important aspect of workers’ compensation claims for Florida employers to understand. It limits the time after an accident that an injured employee can report a workplace injury. It also limits the amount of time a injured worker can be paid if they haven’t received benefits in more than a […]

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Workers Comp Exemption Details

Corporate officers, other than those in the construction industry, who elect to be exempt from coverage, must file a form to be described by the Division. The election takes effect 30 days after filing. This election may be revoked at any time by filing notice of the officer’s desire to again be covered. Notice of […]

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Retrospectively Rated Workers Comp Insurance Plan

Under the standard insurance plans issued in the market place, the insurance company will look at your past losses, amounts of your payroll, the type of business you are involved with and attempt to predict what your premium payment should be. In its simplest form, if the carrier correctly “guesses” what your losses will be […]

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Part Six – Workers Comp Policy

PART SIX — CONDITIONS A. Inspection We have the right, but are not obliged to inspect your workplaces at any time. Our inspections are not safety inspections. They relate only to the insurability of the workplaces and the premiums to be charged. We may give you reports on the conditions we find. We may also […]

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Part Five – Workers Comp Policy

PART FIVE — PREMIUM A. Our Manuals All premium for this policy will be determined by our manuals of rules, rates, rating plans and classifications. We may change our manuals and apply the changes to this policy if authorized by law or a governmental agency regulating this insurance. B. Classifications Item 4 of the Information […]

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Part Four – Workers Comp Policy

PART FOUR YOUR DUTIES IF INJURY OCCURS Tell us at once if injury occurs that may be covered by this policy. Your other duties are listed here. 1. Provide for immediate medical and other services required by the workers compensation law. 2. Give us or our agent the names and addresses of the injured persons […]

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Part Three – Workers Comp Policy

PART THREE OTHER STATES INSURANCE A. How This Insurance Applies 1. This other states insurance applies only if one or more states are shown in Item 3.C. of the Information Page. 2. If you begin work in any one of those states after the effective date of this policy and are not insured or are not self-insured for […]

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Part Two – Workers Comp Policy

PART TWO EMPLOYERS LIABILITY INSURANCE A. How This Insurance Applies This employers liability insurance applies to bodily injury by accident or bodily injury by disease. Bodily injury includes resulting death. 1. The bodily injury must arise out of and in the course of the injured employee’s employment by you. 2. The employment must be necessary […]

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