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FL S1426
Bill
AI Summary
- Creates a new "Qualified Compensation Alternative Employer" (QCARE) designation allowing Florida employers to opt out of traditional workers' compensation by adopting a written occupational injury benefit plan providing no-fault benefits to employees
- Requires QCARE plans to provide at least 156 weeks of medical expense coverage (up to $300,000 per employee), lost wage compensation of at least 75% of average weekly wages beginning by the 4th day of disability, death benefits of at least $150,000, and funeral expenses up to $10,000
- Permits employees of QCARE employers to sue for negligence, but requires the employee to prove employer fault; the QCARE employer may use any tort defense and is entitled to an offset against negligence liability for benefits already paid under the plan
- Requires QCARE employers to obtain insurance from a carrier rated "A-" or higher by A.M. Best with a minimum coverage limit of $1 million per occurrence, with self-insured retention thresholds varying based on whether the employer's net worth is above or below $10 million
- Takes effect September 1, 2026
Legislative Description
Occupational Injury Benefit Plans
Last Action
Died in Banking and Insurance
6/16/2025
Full Bill Text
No bill text available