InsuranceTexas Workers' Compensation: How Does It Work

Texas Workers’ Compensation: How Does It Work

Workers' compensation is an important safety net for workers in Texas as it provides support for workers who become injured or ill due to their work. 

Workers' compensation helps to ensure that workers can get the medical care they need to recover and that they can get back to work as quickly as possible. It also offers financial support to those who are unable to return to work due to their injury or illness. 

That said, workers' compensation in the Lone Star state is regulated by the Texas Department of Insurance, and employers are required to provide their employees with coverage. 

This article will provide an overview of how workers' compensation works in Texas, including how to file a claim and what benefits are available. 

Texas Workers Compensation; An Overview

Texas workers' compensation is a form of insurance that offers compensation to employees for workplace injuries, illnesses, disabilities, or even loss of life. 

Workers comp can pay for medical expenses while the employee recovers at home. In the unfortunate event that they pass on, the bereaved are awarded due compensation. This coverage is also beneficial to employers as it protects them from potential lawsuit claims since injured employees are awarded due compensation for their injuries by the employer’s insurance provider. 

That said, the system is designed to be a “no-fault” system, meaning that it is not necessary to prove negligence on the part of the employer in order to receive benefits. However, employers in Texas are legally mandated to obtain this sort of insurance from private carriers or a state fund.    

What Does It Cover?

In Texas, the most common type of Workers' Compensation benefit is temporary income benefits (TIBs). TIBs are payments made while an employee cannot work due to a disability resulting from an on-the-job injury or illness. These payments usually last up to two years and may be paid up to 70 percent of an employee's average weekly wage before the injury occurs.

Workers' Compensation may also pay for medical treatment related to an on-the-job injury, including doctor's visits, hospitalizations, physical therapy, medications, etc. Some employers may also offer Compensation for additional expenses, such as lost wages if an employee cannot work because of an on-the-job injury.

Who Is Eligible?

Employees must sustain a work-related accident or sickness that renders them handicapped and unable to continue working to be eligible for benefits under Texas Workers' Compensation. The illness or injury must have been brought on by circumstances that occurred while doing regular duties and not through self-inflicted harm.

Workers need to demonstrate that they were hurt while carrying out their job obligations; they do not need to demonstrate that their employer was careless.

How to File a Workers’ Compensation Claim in Texas

Inform your employer right away of the injury or illness to start the claims process. Once the incident has been reported, the employer is required to give the insurance provider all pertinent information regarding the occurrence and any treatment received.

The insurance provider will next assess the claim and determine whether to approve it or not. If accepted, the claimant will be compensated for any lost wages and medical costs related to the injury.

In Conclusion

In the event of a work-related illness or injury, in Texas, workers' compensation can offer medical attention and financial support. As such, understanding the claim process, the benefits you might be eligible for, and the time frame for receiving benefits is very important.

This way, in the likely event that you or a loved one suffers an accident at work, you can make the right decisions for you moving forward.  

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