Stop! Knowing These Vital Insurance Facts Can Save You Tons of WorriesNovember 14, 2016 / byArs Lexis / Categories : The Board Room
Almost every worker in Florida knows how important it is to have insurance coverage. While there are many types available, special attention is particularly accorded to workers compensation insurance. Why? This allows workers to receive compensation on days they’re not able to work due to injuries suffered on the job. Before you relax, you might want to know some important facts about it:
Going to your family doctor is a no-no
While it may be normal to seek treatment from your own doctor, this may invalidate your insurance claim later. Under the rules put forward by the Florida Department of Financial Services, only doctors authorized by your insurance company should provide treatment. This physician may be your company’s official doctor or provided by your Florida workers comp insurance company. Seek help from your company or insurance adjuster with regards to seeking a doctor’s appointment when a job-related injury occurs.
Know Your Class Code
This might be the first time you’ve heard about class codes, but knowing and understanding them is particularly vital when filing for insurance claims. Each workplace and task have its own set of risks, which the National Council on Compensation Insurance classifies into different class codes. For instance, a secretarial position at a construction firm has a lower rate of risk when compared to its worker doing manual labor at a construction project. If you’re living and working in Florida, you would definitely want to know what class code your line of work belongs to by visiting the map provided by classcodes.com.
Your Employer’s Obligations
If you’re injured on the job, reporting it immediately to your supervisor or manager is a must. As representatives of your employer, they’re required to make proper representations to the company owners who should in turn report such injury to the insurance company within seven days. If they’re unable to do this, you can always request from them your insurance company’s contact number. If they refuse, you can always call the Florida Workers’ Compensation hotline, which you can find on their website.
There are many other important things that you need to learn about workers compensation insurance if you’re working in Florida. This information is crucial in the sense that knowing or not knowing them may spell the difference between getting proper compensation or not.