An employer/carrier is faced with a decision when a workers’ compensation claim is reported in Florida. It can 1) pay benefits 2) deny the claim or 3) pay benefits while investigating and reserve its right to deny the claim within 120 days without prejudice and without admitting liability pursuant to Florida Statute 440.20(4). This article will focus on what triggers the 120 period, how certain actions or inactions impact the employer/carriers’ rights, and what to do if you make a mistake.