Getting injured or developing an illness at the workplace while going about your daily duties can be inconvenient. You will have to seek prompt medical attention to ease the pain and suffering, treat the underlying problem and ensure you are back on your feet in no time. Since you will have to stay out of work for a while as you undergo treatment and recover from the illness or injuries, you will not be able to provide for your family. The medical bills incurred during treatment can also be crippling. To ensure workers do not suffer due to injuries sustained at the workplace, the workers compensation act was enacted.
Workers compensation is an insurance scheme meant for workers in high-risk industries. The insurance policy covers the cost of treating injuries related to the work injury and pays for missed wages. When injured, workers compensation insurance ensures that the injured worker gets proper medical attention at no cost to them.
It is important to note that Texas workers compensation offers a number of benefits to workers. In return, workers agree not to sue their employer for the injuries or illnesses developed at the workplace. Therefore, it is a win-win for both workers and employers. Below are the key benefits of Texas workers compensation:
As with all other states in the US, workers compensation offers medical benefits. This means that the cost of treating all the work-related injuries or illnesses will be covered fully by the insurer. It is important to note, however, that any pre-existing condition or unrelated injury will not be covered by the policy. For instance, if it is discovered that you have a brain tumor during treatment of head injuries, the tumor will be removed at your own cost. After all, it is not a work-related medical condition.
When injured, you will not be able to earn an income for a while. To ensure you will be able to continue supporting yourself and your family while receiving treatment or recovering, workers compensation usually pays out temporary income benefits. Once you recover, but you are not able to earn the same income as you used to before the injury, the policy will pay out impairment income benefits. There is also the supplemental income benefits and the lifetime income benefits.
In case a worker succumbs to work-related injuries, their spouse, children and other dependents will be entitled to death benefits. This is usually paid for life at the same rate as temporary income benefits.
This is paid out to cover funeral expenses. This benefit is usually paid out to the person who paid for the funeral. This benefit is meant to ease the financial burden borne by the grieving family.
Every worker who qualifies for Texas workers compensation should make sure their employer has enrolled them properly. After sustaining an injury, the employer must be notified as soon as possible, or within 30 days. In case of any complications, workers should hire a workers compensation lawyer to help them out.