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Florida Workers’ Compensation Adjuster Reference Chart, Produced by AI

13 Aug, 2025 Frank Ferreri

                               

📘 Legal Framework

TopicDetails
Governing LawFlorida Statutes Chapter 440 1
Administrative RulesFlorida Administrative Code Division 69L 1
Recent Legislative UpdatesSB 362: 50% increase in physician reimbursement; HB 1069: new exceptions for occupational injury plans 2

🧾 Claims Handling Guidelines

RequirementDetails
Injury ReportingEmployee must report within 30 days; Employer must report to carrier within 7 days 2
Petition for BenefitsMust be filed within 2 years of injury or discovery 2
Maximum Weekly CompensationSet at $1,295 for injuries on or after Jan 1, 2025 2
Vocational RehabilitationAvailable for retraining and education if worker can't return to prior role 2
Death BenefitsUp to $150,000 including funeral and dependent support 2
Medical Mileage ReimbursementMust be submitted to adjuster post-treatment 3
Claim Packet ContentsFirst Report of Injury, fraud statement, medical release, reimbursement forms3

🧑‍⚖️ Adjuster Ethics & Conduct

StandardRequirement
Fairness & IntegrityMust prioritize claimant's fair treatment over personal or company interests 4
No SteeringCannot refer claimants to services with undisclosed financial interest 4
Equal TreatmentAll claimants must be treated impartially 4
CompetencyAdjusters must be knowledgeable about the coverage they handle 4
Legal BoundariesMust avoid unlicensed practice of law; only fill in insurer-approved release forms 4
Elderly ClientsMust exercise extra care to avoid exploitation 4
Attorney RepresentationCannot negotiate with represented third-party claimants without attorney consent 4
Notice for InspectionsMust give 48 hours notice before property inspections 4

📌 Compliance Tips

  • Post updated 2025 compliance notices in all workplaces2
  • Maintain clear communication with injured workers and employers
  • Ensure timely follow-up after medical visits and claim filings
  • Use trusted professionals for medical bill reviews due to rising costs2

Citations

(1) Laws & Rules - Florida Department of Financial Services, myfloridacfo.com

(2) Florida’s Workers’ Compensation Landscape in 2025: Key Trends, almazanlaw.com

(3) Florida Workers’ Compensation: 2025 Legislative Session Recap, floridaworkers.org

(4) Must Know Workers’ Compensation Regulations Coming in 2025, ethosrisk.com

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About The Author

  • Frank Ferreri

    Frank Ferreri, M.A., J.D. covers workers' compensation legal issues. He has published books, articles, and other material on multiple areas of employment, insurance, and disability law. Frank received his master's degree from the University of South Florida and juris doctor from the University of Florida Levin College of Law. Frank encourages everyone to consider helping out the Kind Souls Foundation and Kids' Chance of America.

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