Benefits under Texas Workers Compensation

A worker’s compensation insurance provides an individual with income and medical benefits precisely due to any harm or loss incurred while carrying out work-related tasks. In simpler terms, if an employee is injured or ill due to a workplace-related circumstance, they can file claims for any loss or damages. However, in the US, each state has a different requirement for workers’ compensation.

Texas worker’s compensation is different from other US states. It doesn’t require employees to apply for Workers Compensation. It is a view that subscribing to workers’ compensation may limit the amount of benefit a person can receive when injured. Every employee has a grace period of 5 days to notify the employee about waiving the individual workers’ compensation insurance. By doing so, they cannot seek any benefits or claims under the Worker’s compensation law.

How is Workers Compensation in Texas different from other States?

Private sector employees do not opt for worker compensation in Texas. In case an individual is covered under the same. They need to inform the employer in advance. There are several issues when an individual decides to be a nonsubscriber of the Worker’s compensation.

A person remains unprotected by the employer’s insurance and Worker’s compensation, and they get exposed to loss due to damages, injuries. Similarly, there won’t be a consideration for a third party injury or co-worker’s negligence at the same time. On the other hand, an employer may face lawsuit charges from an employee who gets injured while doing an official or work-related task.

Benefits under a Workers Compensation

Texas workers compensation law has medical and income benefits for people who get injured on duty. Medical assistance for a prolonged period and reimbursement of any damages gets covered under the Texas Workers compensation law. Only an attorney specializing in Texas Workers Compensation can help individuals understand their benefits and maneuver their claims carefully in this rather tricky system of the law.

Few of the benefits under the Worker’s compensation are as follows:

Income Benefits

A workplace injury may be as simple as prolonged back pain or a severe accident while performing a work-related task. In all of these cases, through Worker’s compensation, an individual stays protected and is liable to receive compensation for the period he is unable to perform job-related tasks as efficiently as he would be before the accident.

IIBs (Impairment Income Benefits)

Impairment deals with benefits for injuries that sustain long-term or irreversible damage to the employee. An affected employee is periodically examined by a doctor, and based on the percentage of impairment; they will receive compensation.

LIBs (Lifetime Income Benefits)

75% of the weekly average wage gets paid to an individual under the Texas Workers compensation who has sustained a lifelong permanent injury that doesn’t permit the person to work again. These include road accidents while traveling due to work, impairment due to machinery use, exposure to harmful chemicals, causing an inability to work. There is also a 3% increase yearly for Lifetime Income Benefits.

SIBs (Supplemental Income Benefits)

If a person is between switching jobs and has not taken a lump sum of impairment-benefits will be covered under the Supplemental Income Benefit. Having said so, it is a monthly provision benefit for an affected individual whose income has reduced to less than 80% of their previous average monthly income and has at least 15% impairment that significantly affects their performance at work.

TIBs (Temporary Income Benefits)

A doctor is to examine the percentage of injury temporary Income Benefits under Texas Workers Compensation. Only upon careful examination, an individual will receive up to 70% monthly wage for 104 weeks. The person also has to report eight days of absenteeism from work due to injury.

Medical Benefits

To claim medical benefit, you must need an experienced Texas Workers compensation lawyer as Texas laws for Worker’s Compensation are different from the rest of the states. Bailey and Galyen have one of the best Dallas and Texas Workers compensation Attorneys. They have more than 50 years of collective experience in this field. Your medical benefits claim can get complicated, and hence it is best to assign a Worker’s Compensation Attorney to handle your case.

Get reimbursement for medical treatment.

If you injure yourself at work in Texas, the Texas Workers Compensation protects an individual from falling prey to medical treatments’ financial obligations. An individual is entitled to receive reimbursement for the necessary medical treatment to nurse you back to good health.

Selecting your Physician

You must select from an approved list of doctors under the Division of Workers Compensation Approved Doctors List (ADL). A doctor will carefully examine work-related injuries, and based on these reports, a Texas Workers Compensation Attorney can build your case for reimbursement. If there is a requirement to seek a second opinion or change the physician, one can submit a request to the Division office.

Death and Burial Benefit

It is an unfortunate event wherein a workplace accident results in the death of an employee. In such a situation, the Texas Workers Compensation benefits the family or loved ones on the same terms as they would have received before the person’s death.

Funeral and Burial Expense

Funeral and Burial expenses of the person get reimbursed under the Texas Workers Compensation. An experienced Texas attorney can help you to file the claims for a hassle-free reimbursement.

Loss of Income

The surviving spouse or other dependents can claim benefits for the loss of income, given that they can prove they were at least 20% dependent on the deceased for financial support. One must act quickly and allocate a Worker’s Compensation Lawyer to file the benefits documentation and reimbursement claims.

Summary:

Through several years of experience, Workers Compensation Law has proven to be a lifeline for people who injure themselves at the workplace. Critical protection from loss of income due to injury or death, performing a work-related task falls under the Texas Workers Compensation. Hence every employee and employer must opt for the insurance and seek a qualified Workers Compensation Attorney to handle the claims.