In Miami, you file a workers' compensation claim with your employer's chosen insurance carrier or through the state no-fault insurance portal if the employer is self-insured, and you do this by completing Form WC-14 and submitting it along with medical evidence within the required time limits.
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The following steps and details explain where and how to submit your claim, what information you need, and how to monitor its status so you can protect your rights and get the medical care and income benefits you are entitled to under Florida law.
How to Start Your Claim in Miami
Report your work injury or illness to your supervisor or human resources contact in writing as soon as practicable, and ask them to complete the employer's first report of injury form (Form C-24).
You must then give this form and medical documentation to the insurance carrier, and you can also submit Form WC-14, the Claim for Benefits, to the Division of Workers' Compensation if you need to escalate the claim or if your employer has not moved forward.
Where to Submit Your Claim Documents
- Through your employer or employer's insurance carrier using their online portal or by mail with copies of medical records.
- By mail to the Office of the Judges of Compensation Claims (JCC) at the address listed on Form WC-14 if you are filing directly with the state.
- Via the Florida Department of Financial Services no-fault insurance portal if your case is handled through the no-fault system for medical payments and wage loss.
Required Information and Deadlines
Include your personal identification, details about your employer, a description of the injury, the date and location of the incident, and medical records that support your claim.
Florida law generally requires you to report a work injury to your employer within 30 days and to file Form WC-14 within one year of the injury or within two years of the last payment of compensation, whichever is later, though exceptions can apply.
Tracking and Follow-Up Steps
After you submit, the carrier will investigate, may request additional medical information, and will issue a decision on whether to accept or deny liability.
| Step | What It Means | Why It Matters |
|---|---|---|
| Employer reports injury | Form C-24 filed with insurer | Starts the insurer's obligation to defend claims |
| Claimant files Form WC-14 | Submitted to JCC or online portal | Protects your right to benefits if the insurer denies coverage |
| Medical evidence submitted | Records and bills from providers | Supports the medical necessity and extent of your injury |
| Carrier decision | Acceptance, denial, or request for more information | Determines whether you receive ongoing benefits or need a hearing |
| Follow hearings if needed | Administrative law judge review | Resolves disputes over liability or benefit amounts |
Common Outcomes and Next Steps
If your claim is accepted, you will receive notices detailing your medical treatment, temporary total or permanent benefits, and any required rehabilitation or return-to-work plans.
If it is denied, you can request a formal hearing before a workers' compensation judge, bring additional evidence, and consult an attorney to evaluate whether to appeal the decision through the JCC or civil courts.
Key Reminders for Miami Workers
Keep copies of every form you submit, all correspondence with your employer and the insurance company, and medical bills and appointments, and consider speaking with a workers' compensation attorney if you face delays, denials, or complex questions about your eligibility or benefits.