Florida Workers’ Compensation Lawyer - Closeup and Blurred View of Client and Attorney in an Office Setting Shaking Hands

Founding attorney Gil Panzer · 30+ years of litigation experience

Florida Workers’ Compensation Lawyer

Hurt at work in Florida? Get help pursuing medical care, missed income, and the benefits your claim needs.

1000+ Claim &
Award Payouts

Google 5-Star
Rated Law Firm

No Fees Unless
You Get Paid

No attorney’s fees or case costs unless there is a recovery. Prior results do not guarantee a similar outcome.

Our Law Firm

Injured on the Job? Get Help With the Claim, Not Just the Paperwork.

You do not need to arrive with a legal argument or a perfectly organized file. Tell us what happened and what you need help understanding.

You may have reported the injury and expected the next steps to be straightforward. Instead, a medical referral is waiting, a payment is lower than expected, or an insurance letter says the claim is being denied.

You still need treatment. You still have expenses. And you may not know whether another call to the adjuster will resolve the problem or leave you waiting again.

Panzer Law starts with what is happening in your claim. We discuss your work duties, the treatment recommended, the income you are missing, and the explanation you have received. Then we identify the questions and records that need attention.

Understand the Benefit Categories

Benefits Available for a Covered Work Injury

Florida workers’ compensation provides benefits for eligible employees with covered work-related injuries or illnesses. It is generally a no-fault system: proving that your employer was negligent is ordinarily not required. You still need to establish coverage and the required connection between your condition and your work.

Medical Care That Has Not Been Arranged

A referral may be sitting unanswered, a treatment request may have been denied, or nobody may have explained who is supposed to schedule the next appointment. Tell us what your medical provider recommended, when the request was made, and what response you received. We can discuss the claim information and whether the dispute is one our firm can address.

Dramatization. Not an Actual Event.

Missing Payments or Income Questions

When a check does not arrive—or seems lower than expected—the immediate problem is often the bills it was supposed to cover. The claim review may involve wage records, missed work, medical restrictions, and the type of benefit being paid. Bring the payment notices and explain what changed.

An Initial Denial or an Unresolved Benefit

A denial letter should be examined for what it actually says. Is the insurer disputing the work-related injury, a particular treatment, or a period of missed work? Panzer Law can review that explanation and the available evidence, then discuss the appropriate process within the matters we handle. Keep the letter and any related correspondence.

A Settlement Offer You Need to Understand

An offer may seem like a way to catch up financially. Before deciding, you need to understand the terms, the benefits being resolved, and the amount you would receive after applicable deductions. We discuss the offer in the context of your medical situation and financial needs—not as a number considered on its own.

Understand the Benefit Categories

Benefits Available for a Covered Work Injury

Florida workers’ compensation provides benefits for eligible employees with covered work-related injuries or illnesses. It is generally a no-fault system: proving that your employer was negligent is ordinarily not required. You still need to establish coverage and the required connection between your condition and your work.

Authorized Medical Treatment

A covered claim may include authorized, medically necessary care such as doctor visits, prescriptions, therapy, testing, and hospital treatment.

Permanent Impairment and Total Disability

Florida law may provide funeral expenses and benefits to qualifying survivors after a fatal workplace injury.

Temporary Disability Benefits

Temporary benefits may apply when an injury keeps you from working or reduces your qualifying earnings while on restrictions.

Death Benefits for Qualifying Survivors

Florida law may provide funeral expenses and benefits to qualifying survivors after a fatal workplace injury.

What to Do After a Workplace Injury

What to Do After a
Workplace Injury in Florida

Early details can make a confusing claim easier to discuss. Keep records, ask questions, and make sure your actual job duties are clear.

STEP 01

Report the Injury Promptly

Tell your employer what happened, when it happened, and what parts of your body were affected. Save any incident report, email, or message, and note whom you notified. Do not wait for a claim number before making the report.

STEP 02

Get Medical Care

Seek emergency care when necessary. For nonemergency treatment, ask the employer or insurer how to obtain authorized care, and tell the provider that the injury is work-related. Do not assume that an appointment you arrange independently will be covered.

STEP 03

Keep a Practical Claim File

Save your claim number, adjuster contact details, treatment requests, medical work-status notes, wage records, payment notices, and insurer correspondence. Write down the questions you need answered. A short timeline can make your situation easier to discuss.

Florida Deadlines

Reporting an Injury Is Different From Filing for Benefits

A conversation with an adjuster is not a substitute for protecting a filing deadline. Share the full timeline when you request a consultation, including treatment dates and the last payment received.

Notice to the Employer

Florida generally requires notice within 30 days after the injury or its initial manifestation. Exceptions exist, but you should report promptly rather than assume an exception protects you.

Petition for Benefits

The general limitations period is two years from when you knew or should have known the injury arose from your employment. Treatment, benefit payments, exceptions, and the issues being raised can affect the deadline.

Understanding Your Florida Workers’ Compensation Claim

Guidance for Common Benefit Issues and Next Steps

From light-duty offers and claim denials to wage calculations and settlements, knowing what to document can help you make informed decisions.

How Long Can Florida Workers’ Compensation Benefits Continue?

Different benefits have different eligibility and duration rules. Temporary disability is tied to your recovery and work capacity, while an impairment award, permanent total disability, and ongoing medical care have separate requirements. There is no single end date that can safely be applied to every benefit in every claim.

If a payment ends or changes, ask what medical finding or benefit rule is being applied. Reaching maximum medical improvement can change the available benefit category; it does not automatically mean all treatment must stop. Bring the work-status report and payment notice so the reason can be reviewed.

Who May Qualify, and What Work Injuries Should You Discuss?

Most Florida nonconstruction employers with four or more employees must carry workers’ compensation coverage. Construction employers generally must have coverage with one or more employees, subject to exemptions and other rules. Agriculture has separate thresholds. Your employer’s obligations and your status as an employee need to be considered together.

A part-time schedule or a 1099 tax form does not necessarily settle eligibility. Explain who hired you, who directed your work, who paid you, and what tasks you performed. The actual arrangement matters.

Claims may involve lifting injuries, falls, machinery or tool incidents, burns, or conditions associated with repeated tasks or workplace exposure. A back, neck, shoulder, hand, or knee problem should be discussed in terms of the work behind it—not just the diagnosis. These are examples to evaluate, not findings that a particular injury is covered.

A preexisting condition also calls for an individual review. It does not automatically defeat a claim, but Florida applies specific medical-causation requirements when a work injury combines with an earlier condition. Be accurate about your prior symptoms and explain what changed after the work incident.

When Treatment Is Delayed or an Insurer Initially Denies Benefits

First, identify exactly what is disputed. Is the insurer questioning whether the injury happened at work? Is a specific treatment request unresolved? Has a payment changed after a medical appointment? Each issue calls for different records.

Keep the letter or message and its date. Depending on the issue, useful evidence can include an incident report, witness information, the authorized provider’s findings, a written treatment request, or payroll records.

Florida’s petition process requires specific information about the benefits being requested. Disputed matters may proceed through mediation and, if unresolved, a hearing. A hearing is not inevitable, and no particular outcome or resolution time can be promised.

Understanding a Florida Workers’ Compensation Settlement

An offer can feel urgent when you have missed several paychecks. Before deciding, look at the complete agreement—not only the amount the adjuster mentioned.

A settlement may release future workers’ compensation rights, including medical benefits. It is voluntary, and not every claim results in a lump-sum settlement. The rights released depend on the agreement and applicable law.

We discuss the treatment you may still need, your ability to work, the benefits in dispute, and the practical effect of the proposed terms. We also discuss the amount you would receive after applicable attorney’s fees, case costs, and other deductions.

There is no reliable value based only on an injury label or someone else’s settlement. The medical evidence, available benefits, disputed issues, and terms of the agreement need to be considered together.

Florida Workers’ Compensation Payments

How Are Florida Workers’ Compensation Payments Calculated?

The starting point is generally your average weekly wage, not simply your latest take-home check. Florida often uses the 13 calendar weeks before the accident, excluding the accident week, when the statutory work-history requirements are met.

Bring wage statements, schedules, and information about any other employment. Reported tips, overtime, and other qualifying earnings can matter; the applicable rules determine what is included. Do not assume that an hourly rate alone explains the correct benefit amount.

Indemnity payments typically equal up to two-thirds (66⅔%) of your gross average weekly pay, subject to statutory minimum and maximum caps set by state law. Temporary partial disability uses a different statutory formula. A benefits review should identify the correct category before comparing the check with your former earnings.

There is generally no disability payment for the first seven days. If the injury causes more than 21 days of disability, those first seven days may become payable. This waiting period does not require you to wait seven days for covered medical care.

We Offer High Legal Skills, Compassion, and Dedication

Why Injured Workers Turn to Panzer Law

Your initial consultation with Panzer Law is free. It is an opportunity to explain your injury, ask about representation, and understand whether the firm can help.

01 / Workers’ Comp Focus

A Practice Focused on Workers’ Compensation

Our work centers on helping injured employees understand their claims and pursue benefits, including reviewing medical and wage records, addressing disputes, and evaluating settlement options.

02 / Founing Attorney

Gil Panzer’s Experience With Injured Workers

Founding attorney Gil Panzer has more than 30 years of workers’ compensation litigation experience. His background includes insurance-company negotiations, mediation, and taking workers’ compensation cases to trial.

03 / Recognition

Gil Panzer’s WILG® Recognition

The Workers’ Injury Law & Advocacy Group® Board of Directors first recognized Gil Panzer as a Top Injured Workers’ Attorney on July 22, 2022. According to WILG®, the invitation-only recognition acknowledges leadership and a commitment to representing injured workers.

04 / Client Communication

Personal Attention and Understandable Answers

We take time to discuss your work, the problems affecting your claim, and the available options. Our commitment is to informed representation—not an outcome promised before we know the facts.

Your Consultation is Free

Clear Florida Workers’ Compensation fee information before representation begins at Panzer Law.

Your consultation is free. No attorney’s fees or case costs unless there is a recovery.

Panzer Law’s Florida contingency fee is 25%, subject to the written fee agreement, applicable law, and any required approval.
Case costs are separate from attorney’s fees. If there is a recovery, the written agreement explains how those costs and the fee are handled. Before representation begins, we explain the calculation and the terms that apply to your matter. Do not assume that a percentage alone tells you the final amount you would receive.

Workers’ Compensation in Florida

How Our Florida Workers’ Compensation Practice Can Help

Workers’ compensation representation should address what your claim actually needs. A new filing, a disputed medical request, and a proposed settlement can require different work. We explain the issue, the evidence needed, and the decisions you face.

Panzer Law Agency Founder - Gilbert Panzer (Transparent Background)

Gilbert Russell Panzer, Jr.
Founding Attorney

Gil Panzer

Gil Panzer brings more than 30 years of workers’ compensation litigation experience to the firm. His work includes negotiating with insurance companies, participating in mediation, and taking workers’ compensation cases to trial.

His approach considers the evidence, the benefits at issue, and the financial and practical consequences of a proposed resolution. A settlement decision, for example, deserves a discussion about what the agreement would change—not just the amount offered.

Gil’s commitment to injured workers also appears in his professional recognition. The Workers’ Injury Law & Advocacy Group® Board of Directors first recognized him as a Top Injured Workers’ Attorney on July 22, 2022. According to WILG®, the invitation-only recognition acknowledges leadership, professional reputation, and commitment to representing injured workers.

Workers’ Compensation in Florida

Florida Workers’ Compensation Help From Boca Raton, Miami, and West Palm Beach

This is Panzer Law’s statewide Florida practice-area page. Our Florida locations provide points of contact for injured workers; the law governing a Florida claim does not change merely because the worker lives in a different city.

Boca Raton Workers’ Compensation Lawyer

Read about claim questions affecting workers in Boca Raton and surrounding Palm Beach County communities.

Miami Workers’ Compensation Lawyer

Find information for workers in Miami and Miami-Dade County, including employment and treatment.

West Palm Beach Workers’ Compensation Lawyer

See the local page for workers’ compensation information for West Palm Beach and Palm Beach County workers.

Our Florida office directory brings these locations together. Contact the firm before traveling to confirm appointment arrangements. Phone and virtual meetings may be appropriate when your injury or location makes an office trip difficult.

Panzer Law also maintains a separate New York workers’ compensation practice. Richard Zaberto focuses on New York claims. The legal explanations and Florida fee terms on this page should not be applied to New York.

What Happens Next

What Happens During Your Free Consultation?

STEP 01

We begin with the reason you contacted us. Explain how the injury occurred, what your employer and insurer have said, and what treatment you have received.

STEP 02

Bring the records you have, especially any denial, treatment request, work-status note, payment notice, or settlement proposal. Identify the question you most need answered. A useful first conversation can begin even when some documents are missing.

STEP 03

We discuss whether the matter is within the firm’s practice, what information is still needed, and how representation would work. Asking for a consultation does not itself create an attorney-client relationship.

Panzer Law FAQs

Frequently Asked Questions
About Panzer Law

Panzer Law represents injured workers with Florida workers’ compensation matters involving medical care, income benefits, initial insurer denials, unresolved benefit requests, and settlement decisions. The consultation helps identify the issue, the supporting records, and whether the matter is within the firm’s accepted practice.

Usually not. Florida workers’ compensation is generally a no-fault system. You must still satisfy coverage requirements and establish the required connection between the injury or illness and your employment. An accident happening during a workday does not automatically resolve every eligibility issue.

Florida generally requires notice to your employer within 30 days after the injury or its initial manifestation. Report as soon as possible and keep a record. Exceptions can apply, but relying on an exception without reviewing the facts can put benefits at risk.

No. Employer notice and a petition for benefits are separate steps. The general petition deadline is two years from when you knew or should have known the injury arose from your work. Benefit payments, treatment, and other circumstances can affect that deadline.

You may report the injury directly to the employer’s workers’ compensation insurer. Keep evidence of your efforts to notify the employer. Florida’s Employee Assistance and Ombudsman Office can also assist. Do not assume the employer’s inaction protects a filing deadline.

The employer or insurer generally controls treatment authorization. Emergency care and other exceptions are treated differently. Before arranging nonemergency care independently, confirm whether the provider and treatment are authorized. A recommendation from a doctor does not automatically establish payment responsibility.

Florida law provides a one-time change-of-physician process during treatment for an accident, beginning with a written request. The insurer generally selects the alternative physician, subject to statutory requirements and deadlines. Discuss the request before scheduling treatment with a different provider.

Usually not. Temporary total disability is generally calculated at 66⅔% of average weekly wages, subject to the applicable maximum and other rules. Temporary partial disability has a different calculation. The benefit category, wage records, medical restrictions, and current earnings all matter.

They may. Qualifying wages can include more than a base hourly rate, but inclusion depends on Florida’s definitions and wage-calculation rules. Provide wage statements, reported-tip records, schedules, and information about all employment so the proper average weekly wage can be evaluated.

Disability benefits generally are not paid for the first seven days. If the injury results in more than 21 days of disability, compensation may be payable from the beginning of the disability. Covered medical care is not subject to this seven-day waiting period.

Temporary partial disability benefits may be available, depending on your restrictions, earnings, and the other requirements. A light-duty release does not automatically end all income benefits. Keep the written restrictions and any job offer, and get advice before refusing proposed work.

It can affect the analysis, but it does not automatically prevent a claim. Florida applies medical-causation requirements when a work injury combines with a preexisting condition. Be accurate about the earlier condition and explain what changed after the work event or exposure.

Not necessarily. Maximum medical improvement generally means further recovery or lasting improvement is not reasonably expected. It can affect benefit categories and lead to an impairment evaluation, but it does not automatically mean you are pain-free or no longer need medical treatment.

Save the denial and identify its stated reason. Depending on the dispute, supporting medical or employment records and a petition for benefits may be appropriate. An initial insurance-company denial does not necessarily decide whether benefits are owed under Florida law.

Not always. A dispute may be resolved through communication, negotiation, or mediation. Unresolved issues may require a hearing before a Judge of Compensation Claims. The process depends on the issues and evidence; neither settlement nor a particular hearing result is guaranteed.

No. Settlement is voluntary. An agreement may release future benefits, including medical care. Review what rights would end, what treatment may still be needed, and what you would receive after applicable deductions. An offer amount alone does not explain the agreement.

The consultation is free. Panzer Law’s Florida contingency fee is 25%, subject to the written agreement, applicable law, and required approval. No attorney’s fees or case costs are owed unless there is a recovery. If there is a recovery, the agreement explains the fee calculation and separate case costs.

Contact the firm to discuss your location and claim. Panzer Law serves Florida workers from Boca Raton, Miami, and West Palm Beach, with phone and virtual meetings available for appropriate matters. Particular appointments or proceedings may still require in-person attendance.

Talk With Panzer Law

Talk With Panzer Law About
Your Work Injury

You may be ready to discuss a specific claim problem, or you may simply need to understand whether the firm can help. Tell us what happened, what you have been told, and what concerns you most.

Our conversation can begin with the question you have today.

A Lawyer You Can Trust to Fight for You

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