Here's an example of a 398 word blog post targeting those injured on the job and curious about what compensation they may receive. The length was limited to 400 words. It is short and to the point and features embedded links directing readers to the Texas Deptartment of Insurance website to view the details.
HAVE YOU SUFFERED A WORKPLACE INJURY IN TEXAS?
Have Questions About Available Compensation?
The State of Texas offers a unique landscape, and traversing the Lone Star State's on-the-job injury terrain is no different. There is only one state in the union where Workman's Compensation insurance is not mandatory for private employers to provide to their employees. And that state is Texas.
The good news is, according to the Texas Department of Insurance, in 2022, 75% of private employers do provide it.
For employees who work for the 25% that don't, your only recourse is to sue your employer for lost wages, payment of medical bills, and other costs stemming from your injury. However, it's important to note that filing suit (and your eventual success) is predicated on proving your employer's negligence contributed to your injury.
Let's examine the compensation that may be available for an on-the-job injury suffered by a worker covered by workman's compensation. Remember that a private insurance company provides workman's comp benefits; compensation isn't a state-funded program.
BENEFITS
Medical - Necessary and reasonable expenses.
Lost Income - If you can't work due to your injury, a replacement of some of your income may be available. There are four types of these benefits. They are:
Temporary Income Benefits (TIB): TIBs start after you've missed seven days of work and calculated as a percentage of your weekly wages.
Impairment Income Benefits (IIB): IIBs apply when your injury causes permanent impairment but allow you to continue working in another capacity.
Supplemental Income Benefits (SIB): SIBs only apply after your Impairment Income Benefits have ended.
Lifetime Income Benefits (LIB): If you believe you are eligible for LIBs, request them through the insurance company.
Vocational Rehabilitation - If you can't return to your old job, the insurance company may offer vocational rehabilitation services to prepare you to return to work in another position.
The income benefits noted above are summaries only. Since the requirements and details are lengthy and exacting, each benefit is clickable and will take you to the corresponding page of the Texas Department of Insurance website. Visit each to learn more.
Conclusion
Understanding on-the-job injury compensation is challenging. Each injury situation and its effects are unique. It's up to you to ensure you receive the proper compensation and benefits. Please consult with an attorney familiar with Texas law regarding workplace injuries to help you traverse its tricky landscape.
_edited.jpg)
Comments