When your employer has a workers compensation insurance in Texas, you are entitled to receive benefits for work-related injuries and accidents through the state’s workers Compensation Program. The benefits are aimed at getting employees covered with proper medical care, help them get back to work and compensate their financial losses. All you need to know to get the benefits is filing the worker’s compensation claim at the right time. Below are the frequently asked questions concerning the Texas workers compensation program.
How do the Texas workers compensation work?
Texas law gives employers the freedom to purchase the workers’ insurance program, and if they are never interested, all they need is to communicate appropriately. Employees as such have the right to sue their employers against not covering or insuring them, and all they need is to demonstrate fault on their part. For those insured, injuries must be work-related and are covered regardless of the fault. However, Compensation can be reservedly denied on off duty, recreational and voluntary injuries.
What is the appropriate time to report or file a compensation claim?
After getting injured all you need is to have medical attention and send a notification to the supervisor within thirty days bracket. When your employer is insured, be sure to choose a doctor from his list, however not on emergencies. Upon receiving an injury notification, your employer then sends the first report to the insurance carrier within eight days. When your employer is not insured, consult a local attorney to hold discussions on the possible compensation options available.
What happens when my medical claim is challenged or denied?
When your medical claim is disputed or challenged by the insurance carrier, request the dispute resolution via Division of Workers Compensation and you reserve represent yourself. Alternatively, seek the office of injured employee counsel during the entire process. However, at this point, attorneys are the most reliable persons to help you meet deadlines and represent you professionally against the insurance company attorneys.
I am not sure how to navigate for the workers’ Compensation, any help?
All you need is to seek the help of the Texas workers compensation attorney. The pain of sickness, injuries and accidents are horrible and touching. You have no option rather than to figure out how to go for your Compensation to help settle your bills. Attorneys will sensitize and help you know if the employer owes you through the workers’ Compensation and on litigation processes.
What are workers compensation benefits there?
There is a range of workers compensation benefits that injured employees reserve covered in the Texas law. Here are some of the compensation benefits:
Vocational rehabilitation benefits. When you are unable to resume to duty or work even after reaching maximum medical improvement, you will be referred to a vocational rehabilitation program where you will be trained or coached and assisted on how to land on a new job.
Death Benefits. When employees’ dies to work-related I juries and accidents, the FAQ on Texas workers compensation program will remit death benefits to their next of kin, children, spouses or families. The benefits will include 75% of the deceased employee wage and cover up to $10,000 burial expenses.
Medical travel expenses. Be sure to receive reimbursement for travel costs when receiving medication provided that it is more than thirty miles away from your place of residence. If you are scheduled to attend medical exams far away, be sure to receive mileage for travel.
In summary, injuries and accidents are inevitable in workplaces and environments. For this reason, employers should take insurance covers to benefit their employees when injured.