Workers' compensation insurance is a form of protection available to Texas workers who suffer injuries at work or become ill as a result of work conditions. If you became ill or find yourself dealing with serious injuries, you may be unsure of where to start or what you can expect from your claim. It can be helpful to know what types of benefits are available to you through your employer's insurance coverage.
The specific benefits you will be able to receive through your claim depend on your injuries, how long you will be away from work and other factors. Even with a valid claim, it is not always easy to secure benefits. You will find it beneficial to seek help as you work on your claim in order to pursue the full and fair benefits to which you have a rightful claim.
What type of help do you need?
The purpose of workers' compensation insurance is to provide support for those who suffered injuries in a work accident or are ill because of an occupational disease. However, these insurance companies do not have your best interests in mind, and their ultimate goal is to protect their bottom line above all else.
Workers would be wise to understand the types of benefits that could be available to them in case they need to file a claim. Specific types of support that you could receive include the following:
- Whatever medical care necessary for your full recovery, including rehabilitation or therapy
- Recovery of a portion of lost wages you missed while recovering
- Appropriate recompense if any of your injuries are permanent
- Rehabilitation costs if you need help reentering the workforce
In some cases involving the death of a worker, survivors may be eligible for certain benefits through workers' compensation.
How can you protect your rights?
You have the right to recovery and support after a work accident. You do not have to walk through the workers' compensation claims process alone, but you will find it helpful to have guidance as you go through each step. Whether you are completing your initial application or fighting for an appeal of your denied claim, you may find great benefit to starting with an evaluation of your case and assessment of your legal options.
When it is your recovery and your future on the line, you do not have to risk dealing with these sensitive and important matters on your own.