Snowbird Season At last, that special time of year that us Floridian’s refer to as “Snowbird Season” is upon us.  It is that time of year where many of Florida’s part-time residents from various parts of the country, and world, return to the Sunshine State for their annual winter residency away from the cold and […]

As classes start at schools across Florida, you have undoubtedly noticed a lot more traffic on the road ways and longer commutes.  Along with the children returning to school, thousands of workers will be returning to, or starting for the first time, their positions as teachers, administrators, maintenance workers, school resource officers, etc…  Regardless of […]

Date Last Insured Many people wait years before filing for disability benefits in hope that their medical conditions will improve allowing them to return back to work.  Many people are also unaware that once you stop working after a period of time (normally up to 5 years) that you loose your disability insurance. 

Insurers need proper evidence in order to prove material misrepresentation In Jarvis McKiver v. Windhaven Insruance Company, 26 Fla. L. Weekly Supp. 320a (13th Judicial Circuit in and for Hillsborough County, June 7, 2018), the Court granted summary judgment in favor of the insured on the issue of material misrepresentation.

If you are approved for Social Security Disability Benefits, you will be entitled to Medicare coverage, and don’t have to wait to age 65.  You are entitled to Medicare your 25th month after your entitlement for benefits. Many people will already wait out the time period during the life of their claim, although some will […]

The answer is yes, with some qualifiers.  Workers compensation is a no-fault law which essentially means that when we are injured at work your employers workers compensation insurance carrier will provide medical and indemnity benefits, regardless of who was at fault for your accident, yourself, your supervisor, your co-worker, etc…

             Yes.  Subcontractors are, by statute, considered to be the employee of the general contractor.  This means that the general contractor provides the workers compensation coverage for the subcontractors on a job site.  A subcontractor can of course provide its own coverage as well. 

Statute of Limitations Did you know that the Statute of Limitations in PIP cases is 5 years?  A PIP case is a breach of contract case.  A breach of contract case has a 5 year statute of limitations.  The PIP law is ever changing, whether it is legal decisions on the application of the fee […]

 I am Having Trouble Getting Medical Treatment, what should I do? Medical treatment should never be delayed. Insurance Carriers often deny or delay medical treatment, which causes the injured worker to doubt ever receiving treatment. If an injured worker has to use self-help measures to seek medical treatment, Insurance Carriers may be held responsible for […]

Am I covered? Injured workers routinely ask the question,  “Am I covered by my employer’s policy?”  Although there is no absolute requirement for all employers to carry workers’ compensation coverage, a large number of employers are required to have coverage.