There are many reasons why one might consider relocating after a workplace injury. It could be out of a belief that there are better healthcare services in the state you are moving to. It could be because you want to experience a new setting as you heal from your injuries.
Whatever the reasons, this situation naturally raises questions about the fate of your much-needed workers’ compensation benefits. Can you keep them? Will they change?
Moving out of state may complicate your workers’ compensation benefits
In general, your benefits typically continue regardless of where you live. Still, the impact of relocation on your benefits depends on several factors:
- The benefits you are receiving (medical, wage replacement, etc.
- The severity of your injury
- The laws of both your current state and the state you are moving to
- The terms of your settlement agreement, if applicable
In some cases, you might keep receiving benefits under your original state’s laws. This is often true for lump-sum settlements or permanent disability benefits. For ongoing medical treatment, you may need to find new healthcare providers in your new location.
The process becomes more complex if you are receiving temporary disability benefits or still undergoing treatment. Your new state might have different rules about benefit amounts, treatment options or the duration of benefits.
It is important to remember that insurance companies often look for reasons to reduce or terminate benefits. A move out of state gives them an opportunity to review your case. They might argue that your new location affects your ability to work or your need for ongoing treatment.
Do not risk losing your workers’ comp benefits
In Florida, the law requires you to notify your employer and the insurance company of address changes. Failure to do so could result in a suspension of benefits.
Additionally, Florida law mandates that injured workers make a good faith effort to find work within their physical limitations. Moving out of state does not exempt you from this requirement.
When dealing with workers’ comp matters, it is essential to consult a qualified attorney. Your lawyer can ensure you receive the benefits you deserve – no matter where you call home.