What benefits are offered by workers’ compensation insurance?

| May 18, 2021 | Workers' compensation |

For injured Texas workers, workers’ compensation protections can help and it is important to be familiar with them. They can help injured workers with the physical and financial harm of a workplace injury.

Medical treatment and wage replacement

Injured workers may be able to receive medical and income help including:

  • Medical treatment to treat the workplace injury or workplace illness as long as they have the workplace injury or workplace illness and need the treatment. Injured workers may also be able to receive reimbursement for their medical-related travel expenses.
  • Income benefits for a workplace-related injury or illness. There are income and eligibility requirements that apply that injured workers should be aware of and familiar with.

In addition, injured workers may have the option to select their own doctor. It is important for them to know when this may be possible and under what circumstances this option may apply.

Responsibilities of injured workers and/or their families

Injured workers also have responsibilities they should be familiar with. Injured workers have 30 days to notify their employer about a workplace injury or illness they have suffered from the time it occurs or when they first learn of it. They also have the responsibility to know if they are in a Workers’ Compensation Health Care Network.

Texas is the only state that does not require employers to have workers’ compensation insurance so injured workers should also be aware if their employer is a nonsubscriber and familiarize themselves with the different workers’ compensation rules. Workers’ compensation benefits can help injured workers with many of the challenges they face which is why injured workers should be familiar with them.