If you’ve been injured on the job in Texas, one of the first questions on your mind might be, “When will workers’ comp start paying my lost wages?” Dealing with an injury is already stressful, but worrying about finances while you recover can make things even more difficult. Here’s what you need to know about the timeline for workers’ compensation benefits in Houston, TX.
Understanding Workers’ Comp in Texas
Workers’ compensation is designed to provide financial support to employees who are injured or become ill due to their job. In Texas, most employers carry workers’ compensation insurance, though participation isn’t mandatory. If your employer does have coverage, you may be entitled to benefits, including wage replacement, medical expenses, and more.
Waiting Period for Lost Wages
In Texas, workers’ compensation benefits for lost wages typically start seven days after your injury or illness prevents you from working. This is known as the “waiting period.” If your injury or illness keeps you out of work for more than 14 days, you may also receive retroactive pay for those first seven days.
Key Points About the Waiting Period:
- The waiting period applies to calendar days, not workdays
- You won’t receive compensation for the first seven days unless your injury keeps you out of work for more than 14 days
How Workers’ Comp Wage Replacement is Calculated
Workers’ comp wage replacement is typically calculated as a percentage of your average weekly wage (AWW). In Texas, injured workers receive 70% of their AWW for temporary income benefits, up to the maximum limit set by the state. Your AWW is based on your earnings during the 13 weeks before your injury.
Steps to Ensure Timely Workers’ Comp Payments
- Report Your Injury Immediately: Notify your employer about the injury as soon as possible. Texas law requires you to report the injury within 30 days to be eligible for workers’ comp benefits.
- File a Workers’ Comp Claim: Submit your claim to the Texas Department of Insurance, Division of Workers’ Compensation (DWC). Your employer’s insurance company will review your claim and determine your eligibility.
- Stay in Communication: Respond promptly to any requests for documentation or additional information from the insurance company.
Delayed or Denied Payments
If your workers’ comp payments are delayed or denied, it’s essential to consult a workers’ compensation attorney. They can help you navigate the claims process, appeal denials, and ensure you receive the benefits you’re entitled to.
Waiting for workers’ comp benefits can feel like an eternity, especially when you’re facing mounting bills. However, understanding the timeline and process can help you plan accordingly. If you’re dealing with a delay or other issues, a skilled workers’ comp attorney in Houston can be a valuable ally in securing your benefits. Don’t hesitate to reach out for help to get the financial support you need during your recovery.
