Injured workers can generally receive Temporary Total Disability (TTD) or Temporary Partial Disability (TPD) workers’ compensation benefits for up to 104 weeks in Florida. If you qualify for Permanent Total Disability (PTD), you may receive benefits until you reach age 75.
If you have questions about workers’ comp or want help filing or appealing a workers’ compensation claim, one of our Orlando workers’ compensation lawyers can assist you.
Workers’ Comp Disability Classifications in Florida
After suffering a work-related injury, you will be classified into one of four disability categories:
Temporary Partial Disability (TPD)
According to Florida’s Department of Financial Services, TPD benefits are available to injured workers who can perform work while they recover, with some restrictions on their abilities. Payments cannot exceed two-thirds of their pre-injury average wage.
These benefits are available for a maximum of 104 weeks or until the worker reaches maximum medical improvement (MMI).
Temporary Total Disability (TTD)
TTD benefits are available to workers who are completely unable to work for a period of time because of their injuries. These benefits typically have a maximum duration of 104 weeks.
Permanent Partial Disability (PPD) or Impairment Income Benefits (IIB)
Injury victims who retain some ability to work but have permanent impairments even after reaching MMI qualify for IIB benefits. A doctor will assign the worker a permanent impairment rating, which determines how much compensation they can receive and how long those benefits last.
Permanent Total Disability (PTD)
Workers with PTD generally have an impairment rating of 100%, meaning they have a disability that is expected to prevent them from working for the rest of their lives. To qualify for PTD, a worker must be unable to perform any kind of work, including sedentary jobs.
According to Florida Statutes § 440.15, PTD benefits typically last until the worker turns 75. If they are ineligible for Social Security benefits, their workers’ comp benefits may last the rest of their lives. If their injury occurred after age 70, they may receive benefits for up to five years.
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What Workers’ Compensation Benefits Are Available in Florida?
Florida’s workers’ compensation system allows workers to file insurance claims and receive compensation for on-the-job injuries, regardless of who is at fault. With limited exceptions, all employers with four or more employees (and construction companies with one or more employees) in Florida must have workers’ compensation insurance coverage.
Most injured workers receive the following benefits until their doctor clears them to return to work:
- Coverage of all medical bills related to treating their injuries
- Regular payments covering up to two-thirds of their average weekly wages (with a max of $1,295 per week, as of 2025)
Surviving family members also qualify for workers’ comp death benefits on behalf of fatally injured workers, including:
- Up to $7,500 in funeral expenses
- Up to half of the decedent’s average weekly wage for a surviving spouse
- Up to two-thirds of the decedent’s average weekly wage for a surviving spouse and children
- Career training for a surviving spouse
Because of the workers’ comp insurance program, you generally cannot sue your employer for a work injury in Florida.
How Can a Workers’ Compensation Attorney Help You?
The workers’ comp system can get complicated quickly. If you’re dealing with serious injuries, the last thing you want to do is spend all your time speaking with insurance adjusters, completing paperwork, gathering evidence to support your claim, and worrying about how you will pay your medical bills and other costs of daily living while you’re out of work.
A workers’ comp lawyer can help you in many ways. For example, we can:
Handle All Communication and Evidence Gathering for You
Your attorney can negotiate with the workers’ compensation insurance company on your behalf and respond to all their requests for evidence, such as medical records, employment records, and incident reports, while you focus on healing from your injuries.
Ensure an Accurate Calculation of Your Average Weekly Wages and Deserved Benefits
Calculating how much compensation you deserve for lost wages can be very complex, depending on what disability category your injuries fall into and your level of impairment. Your lawyer can handle all the math for you and ensure you receive the maximum amount of benefits you deserve.
Negotiate for a Lump Sum Payment if Appropriate
In some cases, you may qualify for a lump sum payment instead of waiting for your benefits checks to arrive. If applicable, your lawyer can negotiate for a fair payout to close your case.
Help You Appeal a Denied or Undervalued Claim
In some cases, workers’ comp insurance providers deny claims. For example, the insurance adjuster may deny your claim if they believe:
- Your case lacks sufficient evidence
- Your injury is not work-related
- Your paperwork contains clerical or other errors
- Your claim is fraudulent
If the insurance company denies or undervalues your workers’ comp claim, your lawyer can help you file an appeal. This process may involve filing a petition and undergoing mediation, hearings, and court appearances. If your case gets that far, your lawyer will fight for your rights every step of the way and ensure you receive fair treatment.
Evaluate Your Eligibility for a Lawsuit
Some injured workers qualify to file personal injury lawsuits against third parties after on-the-job injuries.
If someone other than your employer caused your injury, you may be able to recover compensatory damages not available through the workers’ comp system by filing a lawsuit. If this applies in your case, our Orlando personal injury lawyers can walk you through the legal process step by step.
Let Our Orlando Workers’ Comp Attorneys Help You Today
At Bogin, Munns & Munns, we treat clients like family and have served Central Florida for over 40 years. If you want to know how long you can be on workers’ compensation in Florida and ensure you receive appropriate benefits, we can help. We work on a contingency-fee basis, so you will only pay us if we secure benefits for you.
Our personal injury law firm also offers free initial consultations, so it costs you nothing to get started. Please contact Bogin, Munns & Munns today. We are here for Florida. Here for you.
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