What Happens If You Can't Return to Work After an Injury in Texas?

If you sustain an injury in Texas that prevents you from returning to work, it can have significant implications for your financial stability. However, there are options available to help you navigate this challenging situation. One such option is the possibility of receiving temporary income benefits.

Temporary income benefits are provided by the insurance carrier and are intended to compensate you for the period during which your doctor determines that you are unable to return to work. These benefits are paid out for as long as your doctor deems it necessary, ensuring that you have some form of income while you recover from your injury.

When you find yourself in a situation where you can't return to work due to an injury, it is crucial to follow the necessary steps to access these benefits. Here's a general outline of what you should do:

1. Report the Injury

The first and most crucial step is to report your injury to your employer as soon as possible. Texas law requires you to report any work-related injury within 30 days. Failing to do so may jeopardize your ability to receive benefits.

2. Seek Medical Treatment

After reporting your injury, seek medical treatment from an authorized healthcare provider. Your doctor will assess the severity of your injury and determine whether you are fit to return to work. It is essential to follow your doctor's advice and provide any necessary medical documentation to support your claim for temporary income benefits.

3. File a Claim

Once you have received medical treatment and your doctor has determined that you cannot return to work, you should file a claim for temporary income benefits. This involves completing the necessary paperwork and submitting it to the Texas Department of Insurance, Division of Workers' Compensation.

4. Await a Decision

After filing your claim, it is a waiting game. The insurance carrier will review your claim and make a decision regarding your eligibility for temporary income benefits. This decision will be based on the medical documentation provided by your doctor.

5. Appeal if Necessary

If your claim is denied, you have the right to appeal the decision. It is advisable to seek legal counsel to guide you through the appeals process and ensure that your rights are protected.

While temporary income benefits can provide some financial relief during your recovery period, it is important to note that they are not intended to fully replace your regular income. These benefits are typically calculated based on a percentage of your average weekly wage.

In conclusion, if you find yourself unable to return to work after an injury in Texas, temporary income benefits may be available to help you navigate this challenging situation. By following the necessary steps and providing the required documentation, you can access the financial support you need while you focus on your recovery.