Workers' Compensation law in Texas is quite complicated and most often confusing for claimants. Not all employers have worker' compensation insurance as it is not required by law. Some big companies act as their own insurance while others may elect to have occupational plans that offer some benefits to injured employees, but do not adhere state workers' compensation law requirements.
If your employer does have workers' compensation insurance at the time of your work injury, there are two initial types of income benefits you may be eligible to receive.
If you are unable to return to work due to your injury, you would be entitled to temporary income benefits (TIBs) until your disability ends, you reach maximum medical improvement, or two years from the date you started receiving benefits.
After you are found to have reached maximum medical improvement, you will also be given an impairment rating. Based on that impairment rating you will get paid what is called impairment income benefits (IIBs) whether you have returned to work or not.
There are other benefits under Texas Workers' Compensation law that are available to those more seriously injured individuals including supplemental income benefits, lifetime income benefits, or death benefits.
If you've been injured at work, contact our office for a free initial consultation with the attorney to determine what the next step on your case is.