If you work in Texas, you should learn about the programs available to you if you are ever hurt while at work. One of these programs is workers’ compensation.
Workers’ compensation may pay for medical care after a job-related injury. It may also provide you with wage loss benefits if you miss work due to your injury.
Temporary income benefits in Texas
As explained by the Texas Department of Insurance, the state’s workers’ compensation program features four types of income benefits for injured employees. Temporary income benefits may be received until the employee returns to work or until their doctor indicates they have improved as much as they can even if they are unable to return to work. This is called the maximum medical improvement.
Options after temporary income benefits end
People unable to return to work after reaching their MMI may qualify for impairment income benefits based on the level of their disability. A professional identifies a person’s percent of impairment, called an impairment rating. IIBs may be received for three weeks per percent of impairment. Once these benefits have been paid in full, the worker may be able to receive supplemental income benefits. Certain criteria must be met before SIBs may be approved.
People with permanent disabilities due to their work-related injury may end up receiving lifetime income benefits once their supplemental income benefits run out.
This information is not intended to provide legal advice but is instead meant to give Texas residents an overview of the types of wage loss benefits they may receive 9through workers’ compensation after experiencing an on-the-job injury.