“They said my employer has Texas Worker’s Compensation, but I didn’t really know …”
Filing For Texas Workers’ Compensation
If my employer is not covered by Texas Workers’ Comp, then what can I do to get help with my bills, lost wages, and medical needs?
I know my employer is covered by Texas Workers’ Comp, but how do I know that I am getting paid weekly and fairly? What are my rights in Texas?
If my injury involved someone other than my employer (3rd party), which is not covered by Texas Workers’ Comp, then can I still get medical and financial help?
Texas Workers’ Comp Benefits
Income benefits can replace a portion of wages that you may lose because of a work-related injury or illness. There are four types of income benefits:
Temporary Income Benefits (TIBs) – Weekly Checks
You may be paid temporary income benefits (TIBs) if your work-related injury or illness causes you to lose all or some of your wages for more than seven (7) days.
TIBs Min = $134
TIBs Max = $895
Starts – End at 104 Weeks
You become eligible for Temporary Income Benefits (TIBs) after you miss eight (8) days from work. Remember, disability refers to your inability to earn an income not your a physical handicap.
TIBs end at the end of 104 weeks from your 8th day of disability.
Impairment Income Benefits (IIBs) – Weekly Checks
Impairment Income Benefits Impairment Income Benefits (IIBs) are income benefits paid to an injured worker who has reached maximum medical improvement and received an impairment rating higher than 0%.
IIBs Min = $134
IIBs Max = $627
Starts – End
You become eligible for Impairment Income Benefits (IIBs) the day after you reach maximum medical improvement (MMI).
Impairment Income Benefits (IIBs) end after you have received a total of three (3) weeks of payments for each percentage of your impairment rating.
Supplemental Income Benefits (SIBs) – Monthly Checks
Supplemental Income Benefits Supplemental Income Benefits (SIBs) are income benefits that you apply for quarterly (4 times per year, or every 3 months) and are paid monthly to injured employees that meet specific eligibility requirements.
SIBs Min = N/A
SIBs Max = $627
Starts – End at 401 Weeks
If you are eligible, Supplemental Income Benefits (SIBs) will begin the day after your Impairment Income Benefits (IIBs) end.
Your entitlement to receive Supplemental Income Benefits (SIBs) ends at 401 weeks (approximately 7 1/2 years) from the date of your injury.
Lifetime Income Benefits (LIBs) – Weekly Checks
Certain work-related injuries may result in a condition for which you are entitled to income benefits for your lifetime.
LIBs Min = $134
LIBs Max = $895
Starts – End
Workers’ Compensation FAQs
Do I have to be injured at my workplace to be covered by workers’ compensation?
No. As long as your injury is job-related, it’s covered. For example, you will be covered if you are injured while traveling on business, doing a work-related errand, or even attending a required business-related social function.
Is my injury covered by workers’ compensation while traveling to lunch meeting?
Businesses and contractors that have workers comp insurance policies also have Employer Liability and Business Auto Liability insurance policies that will compensate employees and independent contractor for injuries.
What is workers’ compensation?
Workers’ compensation, also known as workmans’ comp, is a state-mandated insurance program that provides compensation to employees who suffer job-related injuries and illnesses.
Are all employees covered by workers’ compensation?
No. First of all, not all employers are required to have workers’ compensation coverage. State laws vary, but an employer’s responsibility to provide coverage usually depends on how many employees it has, what type of business it is, and what type of work the employees are doing.
Does workers’ compensation cover only injuries or does it also cover long-term problems and illnesses?
Your injury need not be caused by an accident — such as a fall from a ladder — to be covered by workers’ compensation. Many workers receive compensation for injuries that are caused by overuse or misuse over a long period of time.
Are all on-the-job injuries covered by workers’ compensation?
Workers’ compensation, also known as workmans’ comp, covers most, but not all, on-the-job injuries. The workers’ compensation system is designed to provide benefits to injured workers, even if an injury is caused by the employer’s or employee’s carelessness. But there are some limits.
An injured employee that believes he or she is eligible for Lifetime Income Benefits (LIBs) may submit a written request to the insurance carrier. The insurance carrier is required to respond within 60 days of receiving the request. Lifetime Income Benefits (LIBs) payments must begin on or before the 15th day after the insurance carrier decides.