Got hurt at work? Now what happens?
You and your employer need to discuss worker's compensation. It is a good practice to find out if your employer carries this insurance before an injury occurs.
Workers' compensation is a state-regulated insurance program that pays medical bills and replaces some lost wages for employees who are injured at work or who have work-related diseases or illnesses.Workers' compensation will pay for the medical treatment of an injury or illness if:
- The injury occurred at work or the disease or illness is job-related; and
- The worker's employer has workers' compensation insurance or is certified by the Texas Department of Insurance, Division of Workers' Compensation to self-insure.
- The injury or illness caused the worker to lose some or all income for more than seven days.
Employers: Do I need worker's compensation insurance for my employees?
Texas employers who do not carry workers’ compensation insurance coverage are required to report their non-coverage status and work-related injuries and illnesses to the Texas Department of Insurance, Division of Workers’ Compensation (TDI-DWC). Employers are also required to notify their employees if they do not carry workers’ compensation insurance. Employers who do carry workers’ compensation insurance coverage are required to report any work-related injuries and illnesses to their insurance carrier. Employers that fail to meet these requirements commit an administrative violation and may be subject to administrative penalties.
It is a good business practice to protect your employees and your business, by having worker's compensation coverage. Worker's compensation gets your injured employee back to work safely, and soon as possible.