The goal of the Florida workers compensation system is noble in its intention: rather than go through the regular civil litigation process where the plaintiff has the burden of proving negligence, which can take years to resolve (during which time the injured party may not be working or receiving medical treatment), the workers compensation system allows an injured worker to get a portion of their lost wages and medical treatment almost immediately. In exchange, the worker gives up his or her right to sue the employer for negligence and cannot receive compensation for pain and suffering. The laws detailing how the Florida Workers Compensation system works can be found in F.S. 440.11.
The problem comes, of course, when the statute’s noble intention is muddled by employers and workers comp insurance companies trying to save a buck. Unfortunately, the medical benefits provided under the Florida workers compensation system are controlled by the employers and workers comp insurance carriers. To keep their benefactors happy, workers compensation doctors are incentivized to minimize the severity of an worker’s injury and prematurely deem them able to work (thereby cutting off reasonable and necessary medical care too soon).
If one is injured on the job by someone unrelated to the employer (e.g. if you drive a delivery truck and are rear ended) the injured person can bring a claim against that third party. In this situation, it really only makes sense to remain in the workers’ compensation system if you immediately need your lost wages. Otherwise, if liability is clear and there is adequate 3rd party insurance coverage, the benefits of being able to seek pain and suffering on top of getting medical bills paid for is generally in the injured worker’s best interests. But certainly, each case will differ.