Understanding the Essentials of Texas Injury Benefits

Understanding the Essentials of Texas Injury Benefits

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The State of Texas offers an insurance program called Workers’ Compensation. This plan is similar to policies in other states that provide medical benefits to employees that were injured on the job. Similarly, this program also covers work-related injury job loss, as well as illness and slips and falls while on the job. Most of the subsidies go towards medical bills, along with financial compensation or restitution for employees dealing with emotional trauma and stress.

Texas injury benefits are available to employees that were injured while performing daily duties. However, your employer must have Workers’ Compensation for injured employees to file insurance claims. All employers are required to have some form of insurance or compensation to employees that fall sick or get injured. However, not all employers are required to carry the Texas Workers’ Compensation. As long as they have some employee coverage in place, that is all the State of Texas requires in the event of onsite injuries.

What type of Texas injury benefits are available?

There are four types of Workers’ Compensation benefits available in the Lone Star state. This includes income benefits, which replace some of the money employees lost due to work-related injuries or medical ailments. Texas injury benefits include temporary financial assistance, along with impairment income benefits. There are also supplemental income benefits, as well as lifetime income benefits. The latter pertains to employees that will never return to work due to the extensive injuries they sustained at their respective workplaces.

There are also medical benefits, which are designed to pay for essential medical care and treatments. Most employers tend to require that injured employees see company doctors. However, most injured employees do receive medical benefits due to the cost of procedures and care plans. In the event of a fatality due to accident or negligence on the part of the employer, the company may pay burial benefits to the individual who covered the costs for the deceased. This is not offered by all Texas employers but it is a viable option for employee coverage.

Similarly, death benefits may be paid to surviving families. This form of insurance is mainly for employers that work in high-risk environments or industries. However, they do extend to nearly all commercial sectors and industries. These benefits help families with funeral costs but also loss of money due to the deceased employee and family member. Spouses of first-responders in Texas can also get death benefits for life — even if they remarry at a later date.

Are Texas Injury Benefits Mandatory?

Absolutely. As mentioned earlier, all employers in Texas must provide some form of insurance for their employees. Failure to do so can result in fines and penalties assessed by the State. Again, employers are not required to carry Worker’s Compensation but must have injury benefits and insurance coverage in place. This protects employees from job loss, loss of income, and financial strain due to mounting medical and health bills. It also helps employee families that are sure to experience challenges due to the breadwinners being injured.

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