The bill amends Florida Statutes concerning occupational injury benefit plans, particularly redefining "employee" and establishing "qualified compensation alternative employers" (QCARE employers). It introduces a new definition for QCARE employers, who can opt to provide compensation through a specific occupational injury benefit plan that must be documented in writing and offered on a no-fault basis. Notably, QCARE employers are prohibited from charging employees for these benefits and are required to allow employees to file negligence claims against them, while also outlining the defenses available to employers in such cases. The definition of "employee" is revised to exclude those working for QCARE employers, allowing these employers to secure compensation differently from traditional employers.

Key provisions of the bill include mandatory medical expense coverage for at least 156 weeks, capped at $300,000 per employee, and lost wage compensation of at least 75% of the employee's average weekly wages starting no later than the fourth full day of disability, also for a minimum of 156 weeks. Death benefits of at least $150,000 and funeral expenses up to $10,000 are also mandated. QCARE employers must demonstrate financial responsibility, ensuring they can cover claims with insurance of at least $1 million per occurrence. The bill also clarifies that all benefit payments are treated as compensation for personal injury or sickness for tax purposes and streamlines claims administration processes to ensure compliance with federal regulations. The act is set to take effect on September 1, 2026.

Statutes affected:
S 1426 Filed: 440.03, 440.06, 440.14, 440.385