Workers
Compensation...the Texas
Workers' Compensation system is the method by which
covered workers are compensated for work-related
injuries or illnesses. The Texas
Workers' Compensation Act limits a covered
employer's liability to a specific schedule of
benefits based on the type and severity of the
worker's injury. Benefits include...
Lifetime Medical Benefits for
necessary treatment of compensable injuries and
illnesses. Disability Income Benefits for a
specified period of time and up to dollar limits set
by law. Limited Funeral Expenses for workers
killed on the job. Death Benefits for surviving
dependents of workers killed on the job
Employers
without Workers' Compensation face unlimited
liability, including possible punitive damages, if
they lose lawsuits arising from workplace accidents.
They also lose certain common-law defenses if they
are sued over on-the-job injuries.
Be Aware!
So-called alternative policies and coverage bought
from unlicensed insurers do not count as Workers'
Compensation under Texas law.
