Workers compensation is not a free-for-all. Though there are instances of fraud and attempted fraud (as with any type of insurance), there are also restrictions in place that regulate the benefits associated with workers compensation insurance in the Tampa Bay area.
For example, a worker must have sustained at least 50% of his or her injury on the job. If you break your arm at home, get a cast, come back to work, and then fall and make your injury slightly worse… you will not typically be eligible for workers comp benefits.
Other examples include intentionally self-inflicted injuries, injuries sustained while intoxicated or on drugs, injuries that occured while breaking safety rules, and injuries that can be proven a purposeful attempt at procuring workers comp benefits.
One thing that both employers and employees should be aware of is that workers comp does not provide extra compensation for “pain and suffering” in the same way that a personal injury lawsuit can.