WORKERS' COMPENSATION ATTORNEY IN MIAMI

Florida law requires most employers to carry workers’ compensation coverage, often regardless of fault. If you work in construction, hospitality, retail, health services, transportation, or government, you are likely covered. Workers’ compensation can provide medical care, wage replacement, and disability benefits when an on-the-job injury or illness disrupts your life.

But coverage doesn’t guarantee fairness. Insurance companies may question the severity of your injury, push their preferred doctors, or deny claims outright. That’s why the process, from reporting the injury to gathering evidence, matters so much.

Taking the right actions early can prevent major problems later in your claim. After an injury:

• Report it to a supervisor or manager right away.
• Document what happened, including photos, witnesses, and written details.
• Request medical treatment, even if the injury seems minor.
• Follow all doctor recommendations and keep records of everything.
• Consult an attorney if anything feels off, delayed, or denied.

These early moments can set the tone for the entire case.

Miami’s workforce is diverse, and so are the types of injuries we see. Some of the most common sources of workers’ compensation claims include:

• Construction falls, equipment accidents, and electrical injuries
• Slip and falls in hotels, restaurants, and retail locations
• Transportation injuries involving delivery drivers and rideshare workers
• Nursing and healthcare-related injuries, including lifting and repetitive strain
• Warehouse accidents involving forklifts, loading docks, or heavy materials
• Office-based injuries like carpal tunnel, back strain, and overuse conditions
• Chemical exposure, toxic fumes, cleaning agents, or hazardous materials affecting workers in construction, manufacturing, janitorial, and laboratory environments

Whether your injury or illness happened suddenly or developed over time, you may still qualify for benefits.

Florida separates disability benefits into different categories:

• Temporary Total Disability (TTD): When you cannot work at all during recovery.
• Temporary Partial Disability (TPD): When you can work with restrictions but earn less than before.
• Permanent Impairment Benefits (PIB): After maximum medical improvement (MMI), your doctor assigns an impairment rating.
• Permanent Total Disability (PTD): Reserved for the most serious injuries that prevent you from ever returning to work.

Understanding which category applies to your case and when can make a major difference in your long-term benefits.

After you file a claim, the insurance company may require you to attend an IME with a doctor of their choosing. These evaluations can significantly impact your case.

Insurance-selected doctors often minimize or dispute injuries. That’s why many workers also obtain their own medical opinions. When attorneys get involved, we challenge flawed IMEs, present counter-evidence, and ensure the insurer can't use an unfair evaluation to reduce or deny your benefits.

Florida law makes it illegal for an employer to punish you for reporting a workplace injury or filing a workers’ compensation claim. Retaliation may include:

• Cutting your hours
• Reassigning you unfairly
• Harassment
• Wrongful termination

If this happens, you may have an additional claim, and we take these cases very seriously.

Workers’ compensation prevents you from suing your employer in most cases. But if someone other than your employer caused the accident, you may have a separate third-party personal injury claim. Examples include:

• Faulty equipment or machinery that malfunctioned
• Negligent subcontractors on construction sites
• Dangerous property conditions created by a non-employer
• Reckless drivers injuring you while you were working

These additional claims can help you recover damages that workers’ compensation does not cover, including pain and suffering.

For severe or long-lasting injuries, some workers apply for Social Security Disability benefits while also receiving workers’ compensation. These systems overlap, and one can affect the other. We help workers strategically navigate both programs so they don’t lose access to the benefits they need.

Florida requires workers to notify their employer within a limited window after an injury, but the reality is this: the sooner you report it, the safer your claim will be. Delays make insurance companies suspicious, and they may argue that the injury didn’t occur at work, wasn’t serious, or happened elsewhere entirely.

Reporting promptly also ensures you receive authorized medical care right away and creates a clear paper trail linking your injury to your job. Even if your symptoms seem minor at first or develop over time, like back pain, repetitive strain injuries, or chemical exposure, you should notify your employer as soon as you realize something is wrong.

If your employer discourages reporting, refuses to document the incident, or downplays your injury, that’s a red flag and a sign it may be time to speak with an attorney.

Depending on your injury, benefits may include:

• Medical treatment
• Wage replacement during recovery
• Mileage reimbursement for medical visits
• Temporary or permanent disability payments
• Vocational rehabilitation
• Survivor benefits in fatal cases

In some situations, you may also qualify for a separate personal injury claim.

Not at first. Florida’s workers’ compensation system typically requires you to see a doctor chosen by the insurance company. However, you can request a one-time change of doctor, and an attorney can help you make that request strategically.

A denial isn’t the end. You can file a Petition for Benefits and challenge the insurer’s decision. Attorneys regularly uncover missing paperwork, flawed IME reports, and unfair claim evaluations that can be overturned on appeal.

At Morgan & Morgan, we believe that everyone deserves experienced legal representation, regardless of their financial situation, so you pay nothing up front. Attorneys’ fees come from a percentage of the benefits recovered, and only if your case is successful. The Fee Is Free®.

Coverage includes nearly all injuries that occur on the job, including:

• Back and neck injuries
• Broken bones
• Repetitive stress injuries
• Burns and electrical injuries
• Head, brain, and spinal injuries
• Psychological injuries (with physical trauma)
• Occupational illnesses
• Knee, shoulder, and joint injuries

Sudden accidents and long-term wear and tear might both be covered.

Yes. Florida’s workers’ compensation laws apply regardless of immigration status, and employers cannot legally deny benefits simply because you are undocumented. If you were hurt on the job, you are still entitled to medical treatment, wage replacement, and other benefits offered through the system.

In fact, many undocumented workers fear retaliation or termination if they report an injury, but state law protects their right to seek benefits without being punished for it. If an employer threatens you, refuses to file your claim, or tries to use your status against you, an attorney can step in immediately to protect your rights.

It depends. Straightforward cases may resolve within weeks, while disputes involving IMEs, appeals, or complex injuries can take months or longer. An attorney’s involvement often helps speed up delays.

The strongest claims include:

• Immediate injury reporting
• Detailed medical records
• Witness statements
• Accident photos
• IME challenges or second opinions
• Documentation of lost wages
• Proof of employer safety violations

The more evidence you have, the harder it becomes for an insurer to minimize your injury.

When your health, job, and financial stability are on the line, you don’t want to take chances. Our Miami workers’ compensation team brings decades of experience, deep knowledge of Florida law, and the backing of America’s Largest Injury Law Firm. We know how these claims work, where they go wrong, and how to push insurers to do what they should have done from the start.

If you were injured at work, you deserve support, and you deserve answers. Start with a free case review. There are no upfront costs, and you only pay if we win. The Fee Is Free®.