Workers of private companies in Texas that subscribe to the Workers’ Compensation Program are entitled to receive paid benefits when victims of an accident, illness, or work-related fatality.
Read also: Cases of third parties and non-subscribers.
The Texas Division of Workers’ Compensation is in charge of regulating the payment of the following benefits that insurers must pay to workers based on the degree and nature of the work injury:
1. Temporary income benefits. They are paid when the injury causes the worker to miss 08 days of his/her work (they are not paid for a lost week). They correspond to 70% of the difference that exists between the average weekly wage and the money that the worker can earn after the work injury.
2. Disability income benefits. They are obtained when the worker presents injuries that affect the whole body. Payment to be received is the percentage of total body impairment or permanent damage calculated by a licensed medical provider whenever a maximum medical improvement is achieved. They correspond to 70% of the average weekly salary, and you can obtain three weeks of payment of this benefit for each percentage point of disability.
3. Supplemental Income Benefits. They are requested when the worker has an impairment rate greater than 15%, has covered disability benefits, has not taken up work, and earns less than 80% of their average weekly salary.
Its amount is 80% of the amount obtained by subtracting 80% from the average weekly salary and the weekly salary received after the injury.
4. Lifetime income benefits. They pay 75% of the average weekly wage, with an annual increase of 3%, when the worker has a total and permanent loss of use of a part of the body, for example, loss of vision in both eyes, or the loss of one or both members of the lower or upper extremities.
They include payment for medical care, death, and payment to relatives due to death.