Kristin Swanson-Mace: What Does Workers’ Compensation Cover?
An experienced attorney, Kristin Swanson-Mace focuses on workers’
compensation defense. From her office in Orlando, Florida, she provides
representation for employers, the self-insured, and carriers. Often, clients ask
Kristin Swanson-Mace about which injuries workers’ compensation insurance
will cover. In Florida, workers’ compensation covers injuries and diseases that
arise as a result of the normal scope of employment and that occur while on the
job, as well as resulting health issues. Insurance also covers death within
specific periods of time.
Perhaps more importantly, however, coverage does not compensate for mental
and nervous injuries that result from excitement or stress, or conditions that
arise due to fear or dislike of other employees on the basis of race, religion, sex,
nationality, handicap, or age. Florida, like all other states, does not compensate
for pain and suffering.
Some other circumstances prevent coverage, including an employee’s willful
intention to cause injury, or the abuse of drugs or alcohol. Also, compensation
will be denied if the injury falls under coverage afforded by the Longshore and
Harbor Workers’ Compensation Act, the Jones Act, or the Federal Employers’