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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