How Long Do Workers’ Compensation Benefits In Fort Lauderdale Last?
Workers’ compensation benefits in South Florida provide a safety net when on-the-job injuries or occupational illnesses happen, but how long do benefits actually last? Can they stop suddenly, and what happens if you’re still unable to work months later?
The amount of time you receive workers’ compensation in Florida depends on the severity of your injuries, your ability to return to work, and whether your condition is considered temporary or permanent. Our experienced Fort Lauderdale workers’ compensation lawyer explains the time limits and how to avoid disruptions.
Types of Workers’ Compensation Disability Benefits and Their Time Limits
Benefits available through the Florida Division of Workers’ Compensation provide a safety net, covering lost wages and medical care when work-related injuries happen in South Florida. Wage replacement generally stops once you return to work, but what happens if you suffer long-term impairments?
Under Section 440.15 of the Florida Statutes, the state offers several different types of disability benefits, and each has a specific timeline:
- Temporary Total Disability (TTD): If you can’t work at all, TTD pays two-thirds of your average weekly wage. You can receive these benefits for up to 104 weeks (2 years).
- Temporary Partial Disability (TPD): If you can return to work with restrictions but earn less money, TPD helps fill the gap and is also capped at 104 weeks.
- Impairment Income Benefits (IIB): Once you reach maximum medical improvement (MMI), you may get a lump sum or weekly payment based on your level of permanent impairment.
- Permanent Total Disability (PTD): If your injuries prevent any work long-term, PTD benefits can continue until age 75 (or for life, if you don’t qualify for Social Security).
Some benefits can be extended in rare cases, but most end once you reach MMI or hit the two-year cap for temporary benefits.
How to Avoid Disruptions in Fort Lauderdale Workers’ Compensation Disability Benefits
Insurance companies rarely explain timelines and often look for reasons to stop payments. To prevent this, take these steps:
- Attend all doctor appointments and follow treatment plans.
- Report any changes in your work status or income immediately.
- Ask your doctor about your MMI status and what it means for your case.
- Keep copies of all correspondence from the insurance company.
- Watch for letters about benefit reductions or terminations.
- Contact a workers’ compensation lawyer if your benefits are denied or disputed.
Once you reach MMI, the focus shifts from temporary support to longer-term options like IIB or settlement. Having legal support helps in making the right decision about what comes next.
Schedule a Consultation Today With An Experienced Fort Lauderdale Workers’ Compensation Lawyer
If you’re recovering from work-related injuries or an occupational illness in South Florida, you may be wondering how long your workers’ comp benefits will last. At The Law Offices of David M. Benenfeld, P.A., our Fort Lauderdale workers’ compensation lawyer provides the trusted legal guidance you need to protect your rights, your income, and your future.
Call or contact us online today to schedule a consultation in our Sunrise, Fort Lauderdale, or West Palm Beach office.
Sources:
floridahealth.gov/programs-and-services/prevention/injury-prevention/index.html
leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0400-0499/0440/Sections/0440.15.html
myfloridacfo.com/division/wc