What Does Maximum Medical Improvement Mean in Workers’ Compensation in FL?

If you’re recovering from a serious workplace injury in Florida, you may have heard the term “maximum medical improvement” (MMI) during your workers’ compensation claim. But what does it actually mean for your recovery and your benefits?

MMI doesn’t mean you’re fully healed. It means your doctor believes your condition has stabilized and further improvement is not expected. In Florida workers’ compensation cases, this milestone often marks the end of active treatment and the beginning of long-term planning.

In this blog, we’ll explain how MMI works under Florida workers’ compensation law, how it’s determined, and what it means for the next stage of your claim.

What Is Maximum Medical Improvement?

Maximum medical improvement is a legal and medical term that signals the end of your recovery. It’s the point when your authorized treating physician determines that your injuries have healed as much as they can—even if you’re still dealing with symptoms like pain, stiffness, or reduced range of motion.

Under Florida Statute § 440.02(12), the “date of maximum medical improvement” is when no further recovery or lasting improvement is expected based on medical probability.

Once MMI is reached, your case typically moves from short-term care to longer-term decisions, such as permanent disability benefits, job retraining, or continued medical treatment to manage your condition.

What MMI Means for Your Benefits and Next Steps

Reaching MMI often changes the types of benefits you receive and starts the process of planning for your long-term needs. Here’s what typically happens:

• Temporary benefits usually end. Wage replacement benefits like Temporary Total Disability (TTD) or Temporary Partial Disability (TPD) typically stop, as they are designed to support you while you’re recovering (Florida Statute § 440.15).
• You may receive a Permanent Impairment Rating. Your doctor may assign a rating using the 1996 Florida Uniform Permanent Impairment Rating Schedule. This helps determine whether you qualify for Permanent Partial Disability (PPD) or Permanent Total Disability (PTD) benefits.
• Job retraining may be available. If you can’t return to your previous job, you may qualify for vocational rehabilitation, including job placement or retraining.
• Settlement discussions may begin. Insurance companies often begin negotiations after MMI, since your condition is stable and future costs are easier to estimate.
• Continued care may be available. You may still receive treatment to manage your condition, such as palliative care.

These changes can be difficult to sort through, especially if you’re still experiencing symptoms. Knowing what to expect can help you make informed decisions and avoid missteps.

Who Decides When You’ve Reached MMI?

Only your authorized treating physician can determine whether you’ve reached MMI. The insurance company and claims adjuster cannot make that call. The decision must be based on your medical records, test results, and how you’ve responded to treatment.

If you think MMI was declared too soon, Florida law allows you to request a one-time change of physician. In some cases, you may also seek an Independent Medical Examination (IME), which you may need to pay for unless it’s requested by the insurer. You can also challenge the decision through the Office of the Judges of Compensation Claims (OJCC).

Common MMI Disputes

While MMI is supposed to bring clarity, it can also create new problems. Common issues include:

• Premature MMI declarations. Some insurers pressure doctors to declare MMI before your recovery is complete.
• Conflicting medical opinions. Disagreements may arise if an IME or second physician gives a different opinion than your authorized doctor.
• Settlement pressure. You may feel pushed to accept a settlement before you’ve fully understood your long-term needs.

If you’re facing any of these problems, you can ask the OJCC to review the issue or consult with a workmans’ comp lawyer who can help you gather medical documentation and push back if needed.

What If Your Claim Was Denied or Delayed?

Beyond MMI disputes, denied or delayed claims can create additional hurdles. If your benefits were denied or delayed earlier in your case, reaching MMI may change how those issues are handled. A stabilized condition can make it easier to contest earlier decisions through the OJCC.

You may also be able to file a separate personal injury lawsuit if someone outside your employer, such as a subcontractor or product manufacturer, contributed to your injury. These lawsuits require coordination with your workers’ comp claim, since your insurer may seek repayment from any third-party settlement. A lawyer can help protect your benefits while pursuing any additional compensation you may be able to recover.

Can You Still Receive Medical Care After MMI?

Yes. Workers’ compensation in Florida can continue to cover medical care after you reach MMI, as long as the treatment is medically necessary and helps maintain your condition. This may include:

• Physical therapy
• Prescription medications
• Follow-up visits with your doctor
• Durable medical equipment, such as braces or mobility aids

Insurance companies often push back on post-MMI treatment. If that happens, your doctor may need to provide additional documentation to explain why continued care is needed.

Maximum medical improvement marks a key point in your workers’ compensation case. It signals the end of active recovery and the beginning of long-term decisions about your care, job options, and financial stability.

MMI changes your benefits and care, marking a new phase in your workers’ comp journey. This stage can also bring new obstacles, especially if the insurance company tries to cut off your benefits or rush a settlement. Whether you’re nearing MMI or already dealing with its effects, lawyers for workers comp can help you understand your options and take action to protect what you’ve worked so hard to recover.

Talk to a Workers’ Compensation Lawyer Who Will Stand by You After MMI

Once you reach maximum medical improvement, many insurance companies begin focusing on limiting costs.  But your needs and your legal rights don’t stop there.

Founding and senior lawyer Lyle B. Masnikoff has spent the last 25 years standing up for injured workers across Florida. Today, he leads a dedicated legal team focused on helping clients pursue the full workers’ compensation benefits available under Florida law. If you’re dealing with denied care, low ratings, or pressure to settle, we know how to protect your rights.

Call us at (561) 598-7122(561) 598-7122 or visit our website to schedule a free case evaluation. Our workmans’ comp lawyers will review your case in detail and explain the next steps clearly, directly, and with your best interest in mind.

At Lyle B. Masnikoff & Associates, we will go the extra mile for you!

Copyright © 2025. Lyle B. Masnikoff & Associates, P.A. All rights reserved.

The information in this blog post (“post”) is provided for general informational purposes only and may not reflect the current law in your jurisdiction. No information in this post should be construed as legal advice from the individual author or the law firm, nor is it intended to be a substitute for legal counsel on any subject matter. No reader of this post should act or refrain from acting based on any information included in or accessible through this post without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue from a lawyer licensed in the recipient’s state, country, or other appropriate licensing jurisdiction.

Lyle B. Masnikoff & Associates, P.A.
1645 Palm Beach Lakes Blvd #550
West Palm Beach, FL 33401
(561) 598-7122(561) 598-7122
https://workerscompfl.net

Lyle B. Masnikoff & Associates, P.A.
7380 Sandlake Road, Suite 500
Orlando, FL 32819
(561) 598-7122(561) 598-7122
https://workerscompfl.net/

Lyle B. Masnikoff & Associates, P.A.
110 E Broward Blvd #1700
Fort Lauderdale, FL 33301
(561) 598-7122(561) 598-7122
https://workerscompfl.net/

Lyle B. Masnikoff & Associates, P.A.
543 NW Lake Whitney Place, Suite 106
Port St. Lucie, FL 34986
(561) 598-7122(561) 598-7122
https://workerscompfl.net/