FACT/FMIT Property and Casualty Overview Effective October 1, 2014

Property and Casualty Overview - FACT

Property and Casualty Overview – FMIT

Worker’s Compensation Worker’s Comp Injury Process –Worker notifies supervisor or lead –Determine severity of injury Major – call 911 or take individual immediately to Hospital. Minor – Individual decides if they wish to seek treatment –If Yes, complete 1 st Report of Injury form and Supervisor -Accident Investigation form and/or Strain Supplemental form. –If No, individual is to read and sign the ACKNOWLEDGEMENT OF REFUSAL TO SEEK MEDICAL TREATMENT form and then go to either the hospital or Center for Family Health for a drug test. –All WC injuries will be required perform a drug test. If not completed by individual they will not be allowed to return to work until completed. –If Major injury, notify HR by cell phone at ( ) of the injury immediately. –If a Minor injury, notify HR during normal business hours and send/ a signed copy of the 1 st Report of Injury form. –Upon release provide a copy of the DWC-25 – FL Worker’s Comp Uniform Medical Treatment/Status reporting Form to individuals supervisor and to HR.

Worker’s Compensation Worker’s Comp Injury Process – con’t Upon release provide a copy of the DWC-25 – FL Worker’s Comp Uniform Medical Treatment/Status reporting Form to individuals supervisor and to HR. If required to perform follow-up because individual was seen at ER – walk into the Center for Family Health on the next duty day. Provide supervisor with information of all required appointments and make sure injured worker goes to all appointments or they could jeopardize future medical treatment for that injury.

Worker’s Compensation Frequently Asked Questions Q - When should a Workers' Compensation claim be reported? A - You should report it as soon as possible but no later than thirty (30) days or your claim may be denied. Reference: Section , Florida Statutes Employers should report the injury as soon as possible, but no later than seven (7) days from their knowledge. Once a claim is reported it allows the adjuster to investigate the incident and make a determination of compensability. If the investigation reveals that an injury is not covered the employee will be sent a notice of denial and the State is made aware of the determination. If you do not report the claim in a timely manner and a denial is not reported to the State, benefits could be awarded. The insurance company must send you an informational brochure within three (3) days after receiving notice from your employer. The brochure will explain your rights and responsibilities, as well as provide additional information about the workers' compensation law.

Worker’s Compensation Frequently Asked Questions Q - Will I be paid if I lose time from work? A - Under Florida law, you are not paid for the first seven days of disability. However, if you lose time because your disability extends to over 21 days, you may be paid for the first seven days by the insurance company. Reference: Section , Florida Statutes Q - When are benefits paid? A - Benefits are paid bi-weekly while you are determined unable to perform duties by an approved Worker’s Comp medical professional and/or no light duty is available. If light duty is available and you chose to take sick leave, you will receive no benefit from the Worker’s Comp carrier. Q- When will I get my first check? A- You should receive the first check within 21 days after reporting your injury to your employer. Reference: Section , Florida Statutes Q - How much will be paid? A - Benefits checks are paid at 66 2/3 of the injured worker’s average weekly wage.

DeSoto County Worker’s Compensation Policy Use of Sick and Annual Leave to Supplement Workers Compensation When an employee is injured on-the-job and is unable to work, workers' compensation pays the employee 66 2/3% of their weekly salary. This sometimes requires the employee to revert to savings or other means to keep the same standard of living for them and their household. The Board of County Commissioners, at their regularly scheduled meeting, July 13, 2010, adopted the attached policy that will allow employees to utilize any accumulated sick and annual to be used to supplement wages paid the employee through Workers Compensation. This supplement wage cannot not cause the weekly salary to be more than I00% of the weekly salary prior to the injury.

DeSoto County Worker’s Compensation Policy POLICY CONCERNING USE OF SICK AND ANNUAL LEAVE TO SUPPLEMENT WORKERS' COMPENSATION PURPOSE: To set forth in a definitive fashion the DeSoto County Board of County Commissioners' policy to allow employees to use accrued sick or annual leave to supplement the wages they received while on workers' compensation leave of absence. STATEMENT OF POLICY: 1. An employee receiving workers' compensation wage benefits while on a workers' compensation leave of absence is permitted to utilize his or her accrued sick or annual leave in an amount necessary to bring his or her total combined pay up to 100% of their base pay prior to the injury or accident. An employee may also utilize accrued sick or annual leave for any days in which they are unable to work following a workers' compensation injury or accident and prior to beginning to receive workers' compensation benefits, although the employee is required to reimburse the County and have his or her leave balance restored should he or she later receive workers' compensation payments for this initial period. 2. Accrued sick leave shall be utilized first, with accrued annual leave used only after exhaustion of all accrued sick leave. In the event that the employee does not have any accrued sick or annual leave, or exhausts it while on workers' compensation leave of absence, he or she will not receive any supplement to the workers' compensation wage benefits. Approved by the Board of County Commissioners of DeSoto County, Florida on the 13th day of July 2010.