Florida Workers' Compensation Insurance System Overview
Learn the ins and outs of how insurance companies operate in Florida. This module covers the technical aspects of insurance in California including how insurance underwriters determine the premium employers pay and what factors drive up the cost of a workers' compensation insurance policy.
LEGAL MODULE I: OVERVIEW OF THE FLORIDA WORKERS' COMPENSATION ACT
This modules provides a broad survey of the Florida Workers' Compensation Law. Issues include the definitions of employers and employees, and descriptions of compensable injuries, accidents, and conditions. Threshold notice and reporting requirements are detailed. The categories of temporary and permanent indemnity benefits are outlined, along with explanations of average weekly wage, permanent total disability, and death benefits. The requirements for provision of medical care and treatment are set forth in detail along with the important legal standards of preexisting conditions and major contributing cause. Injuries caused by occupational disease and/or exposure are explained. The controversial Florida First Responder Law provides an explanation of those employees who are entitled to a special class of workers' compensation benefits. The litigation process is outlined as well.
LEGAL MODULE II: HOT TOPICS AND LITIGATED ISSUES
The 2003 statutory changes to the Florida Workers' Compensation Law have been extensively litigated. There have been fundamental changes in the way medical benefits are claimed and litigated. The role of independent medical examiners has been limited, but the role of expert medical advisers has been expanded. This module also addresses technical requirements of raising claims and defenses. The mediation process is set forth in detail, including both the statutory requirements and the subtleties of successfully mediating a claim. The technical legal requirements of settlement stipulations are outlined, as well as the frequently overlooked offer of settlement technique. The relationship between permanent total disability and Social Security disability is explained as well.
LEGAL MODULE III: KEY DEFENSES AND EVIDENCE
This module explains the new fraud defense in detail, and outlines more traditional defenses such as intoxication and the injured employee's failure to return to work. Coverage pertaining to employments that do not fall within the Workers' Compensation Act is outlined. You will learn how to preserve lien rights when a third party is responsible for injuries sustained on the job. Defenses to medical conditions, such as idiopathic conditions and internal failures, are set forth in detail. There is a lengthy discussion regarding injuries sustained during deviation from employment and recreational activities. Employers liability insurance and Federal Compensation Acts are also addressed. Evidentiary standards and pitfalls are set forth in detail.
LEGAL MODULE IV: FLORIDA WORKERS' COMPENSATION UPDATE
This recorded Webinar provides updated information on recent developments from the Florida Legislature, the First District Court of Appeal, and the Supreme Court of Florida. Statutory changes and case law affecting administration of workers' compensation benefits are detailed. Regulatory or administrative changes from the Department of Financial Services will also be addressed. You will be apprised of emerging trends in case development, litigation practices, and rulings from the Judges of Compensation Claims.