The workers’ compensation system in Texas can seem complex, especially if you’re dealing with a work-related injury. Here, we’ll answer the most frequently asked questions to help you better understand your rights and legal options.
What is workers’ compensation?
It is a system that provides medical and financial benefits to people who suffer work-related injuries or illnesses. Its purpose is to cover medical expenses, lost income, and the rehabilitation of the injured worker.
Who is covered by the workers’ compensation system in Texas?
In Texas, companies are not required to have workers’ compensation insurance, but some of them choose to do so. If your employer is insured, you, as an employee, are covered, regardless of your immigration status.
What benefits can I receive if I suffer a work-related injury?
You may be entitled to:
- Medical care related to the injury
- Income loss benefits
- Compensation for temporary or permanent disability
- Vocational rehabilitation, in some cases
What should I do if I get injured at work?
- Report the injury to your employer as soon as possible
- Seek immediate medical attention
- File a claim with the Texas Department of Insurance, Division of Workers’ Compensation (DWC)
- Seek legal help with an attorney to protect your rights
What happens if my employer doesn’t have workers’ compensation insurance?
You may have the right to sue them directly for negligence. In these cases, it is essential to have a lawyer by your side.
Can I be fired for filing a claim?
No. It is illegal for an employer to retaliate against you for exercising your rights under the workers’ compensation system.
What is a “Certified Self-Insured” employer?
It is a private company approved to directly cover its own workers’ compensation costs without purchasing an external insurance policy. These companies must still comply with DWC regulations.
Do I need a lawyer?
Although it’s not required, having a lawyer can help you obtain better compensation, especially if your claim is denied or complicated.
In summary, you have rights if you were injured at work in Texas. Understanding the workers’ compensation system is key to receiving the benefits you deserve. If you have questions, contact us so we can help.
