Workers Compensation in Odessa, TX

You aren’t alone if you ask “How does workers comp work?” Workers’ compensation is a type of insurance that provides wage and medical benefits to people who have become ill or injured while at work. The extent of workers’ comp coverage an employer is required to carry is governed by Texas state law. Thus, in trying to figure out how workers comp works, it helps to understand the laws on the books in the state where the business operates. If the injury or illness a worker sustains is eligible for compensation, the insurance carrier should help ease the financial burden the illness or injury created on the worker. Learn some of the basic principles of , workers’ compensation insurance and how the process works.

Workers Compensation Statistics in Texas?

West Texas Urgent Care of Odessa reports that while many organizations take great care to protect their workers, workplace accidents and injury can happen to anyone at any time. Neck and back injuries, especially those associated with falling objects or slip and fall accidents, are incredibly common in Odessa. Accidents involving heavy equipment, and workplace illnesses such as carpal tunnel syndrome can also plague workers in Odessa.

How Does Workers Comp Work in , Texas?

Unfortunately, going through the process of applying for workers’ compensation begins with getting sick or injured on the job. The circumstances surrounding the incident that led to your problems are especially crucial. For example, the injury had to occur during your regular work duties. While an event that happens during your lunch break wouldn’t apply, getting into a car accident while running an errand for your boss would qualify for a claim.

The Texas Workforce Commission affirms that while employers can provide workers’ compensation insurance for their employees, it is not mandatory by state regulations. Workers’ compensation insurance provides coverage for medical treatment and lost wages for employees who are injured in work-related incidents. Mental health is covered in certain situations. However, you have to provide a direct link between your incident and the mental health problem.

For example, say your supervisor asked you to drop something off on your lunch break. While running this errand you then get in a car accident on your way to the destination. Any resulting injury is eligible for workers’ compensation. However, if you are on your lunch break, performing no such task when you get in an accident, it does not qualify for a claim.

The steps you take immediately following a workplace incident in , are critical for purposes of filing a claim for compensation. Follow the following steps to preserve your rights and learn how workers comp works.

Get Medical Attention

After you get injured or feel ill, the first step is to see a doctor. Don’t delay seeking help from a , healthcare professional. This could not only jeopardize your health, but you run the risk of missing time-sensitive deadlines in the workers’ compensation process. Having a proper medical report detailing the extent of the damage and how it occured is the first step in the process. Your employer cannot file a claim with their insurance carrier without this information.

When dealing with a job-related illness, the symptoms and diagnosis may not happen right away. You may find yourself attending regular checkups and testing for weeks or months. All before a doctor finally associates your illness with your job. Your doctor may make the determination that the illness is either the result of your work conditions or aggravated by them. Once they do, see your human resources representative to file a workers’ compensation claim.

File a First Report of Injury

The first report of an on the job injury or illness will provide the workers’ compensation insurance carrier with the details of the events leading up to the injury. In this report, you will provide your physical injuries, the medical treatment you received and the facilities that provided it. It’s always a good idea to bring a copy of the doctor’s report to submit with the report of injury.

A timeline for filing your first injury report has been laid out by the Texas Department of Insurance. If you are injured you should report it to your employer as soon as possible. Immediately if you can. This is to establish the fact that you were actually injured on the work premises. Or  hurt while performing a work-related task. After you report your injury you should seek medical treatment as soon as possible. Delaying treatment can cause the injury to get worse, which will cost more in medical treatments and recovery time.  Once you have been treated it’s wise to ask the physician for 2 copies of the report. Keep 1 copy for yourself, and give one copy to your employer.

Timeline and Other Information

If you suffer an injury at work in Odessa, your employer has 8 days to file your report with their insurance carrier once you have alerted them to the injury. Your claim will either be approved or denied within 15 days of the insurer receiving written notice. The minimum payment for Total Temporary Disability in Texas is $112.00 per week, or 15% of the state average working wage. The maximum payment is $750 per week, which is 100% of the state average weekly wage.

Your employer should furnish you with information about the claims process. The adjuster or insurance carrier representative may want to speak to you at some point. Typically about the incident and to any possible witnesses to the event. In the meantime, the workers’ comp insurer may begin paying medical benefits while the investigation into your claim continues.

Why You Should Hire an , Texas Workers’ Compensation Lawyer

While workers’ compensation claims may be straightforward for some cases in , Texas, in others, it may be more difficult. For example, your employer may ask if you suffer an injury on the clock or on your own time. It’s also common for a company to question the full extent of your injury. Hiring an workers’ comp lawyer ensures that you have an advocate to fight for your rights as a victim.

Work With an Experienced Local Lawyer In Texas

If you are hurt or contract an illness as a result of your job in , you need to find the right people to help. Since the workers’ compensation claims process can have pitfalls, you should consider getting a local attorney who knows how to avoid them. 

Submit a request online or call us today at (866) 345-6784 to get in touch with an experienced lawyer in your area!

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