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Some worksites are not safe environments for the many employees that faithfully report to their job sites for work. All employees injured on the job receive their salaries and benefits covering their job related injuries because of workers’ compensation insurance. While these benefits can relieve at least part of your financial burden, workers’ compensation insurance also waives an employee’s right to sue their employer. Such an important decision should only be made after discussing all options with an experienced attorney.
Workers’ Compensation exists on both the federal level and the state level. The federal workers’ compensation program is run through the U.S. Department of Labor’s Office of Workers Compensation. Four programs are available through this department for individuals who have been injured at work or who have developed a disease as a result of their occupation:
The Longshore and Harbor Workers’ Compensation Program is also a workers’ compensation type plan intended to protect maritime workers. Click here to learn more about the LHWCA.
State workers’ compensation programs exist as well. In Texas, private employers are not required to provide workers’ compensation coverage, but in most cases they are required to inform employees whether coverage is provided or not. If an employer has coverage, a portion of an employee’s wages plus medical bills will be covered. The Texas Department of Insurance Division of Workers’ Compensation regulates the program, settles disputes, and assists with claims. Actual benefits, however, are paid by workers’ compensation insurance companies.
There are many laws governing whether or not you are eligible to collect workers’ compensation. An experienced lawyer can provide you with the guidance you need to make the best decision for you. The sooner you contact us the better; time limitations and other regulations must followed.
If you have been injured on the job and are unable to work, you deserve compensation. Contact the attorneys at Kirkendall Dwyer LLP for a free consultation. Our firm is committed to making sure that you are properly represented, and that you get the benefits and compensation you deserve.