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Most workers in Texas are surprised to learn that state law does not require all employers to purchase workers’ comp insurance. Fortunately, many companies still obtain coverage to protect themselves if one of their employees is hurt on the job. If you were injured at work, you might be wondering if you are eligible for benefits or how to go about obtaining them. Below are some guidelines on worker’s comp eligibility. 

Who Is Eligible for Workers’ Comp Benefits?

Employees Who Are Covered

To receive workers’ comp benefits, you must work for an employer that has adequate coverage. According to the Texas Medical Association, experts estimate that approximately 80 percent of the workforce in Texas is covered. Thus, there is a good chance that you can file a claim after a work injury unless your employer does not carry insurance. Other positions may not be covered, including federal government work, childcare and cleaning in residential homes, or work on a family farm or ranch.

workers' compInjuries That Qualify

If your employer has a workers’ comp policy and you are eligible for coverage, the final factor that will determine your compensation is the circumstances surrounding the accident that caused your injuries. Fault does not usually play a role in eligibility; however, you must have been hurt in the course of employment while performing your job duties. Injuries that arise as the result of criminal acts, intoxication, or voluntary participation in a recreational activity while off-duty are not covered.

 

If you were injured on the job, head to Superior Urgent Care in Keller, TX, for quality care. This family medical practice can diagnose and treat all kinds of accident injuries, including lacerations, sprains, and fractures. Visit their website to learn more about the procedures and screenings they offer, or call (817) 576-4050 to discuss your health concerns or workers’ comp issues today. You can also visit their Instagram to keep up with their practice. 

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