Texas is a unique state in many ways, including that we don’t require workers compensation for all employers. Here’s what to do if you’re hurt at work.
We’re “The Lone Star State” for many reasons. For a brief time, we were even our own nation.
And today, we’re alone in maybe not as good of a respect as others: our state is the only one that doesn’t require employers to carry workers’ compensation.
In many other states, if workers get hurt at work, for any reason (their own negligence or their employer’s), they can recover compensation for their injuries and lost time at work.
Worker’s Compensation Rarely Provides the Coverage You Need
Well, the system we have here in Texas is kind of a mess. So bear with me as I explain this.
First of all, certain employers do have to carry Worker’s Compensation:
- Public employers (but not federal employers)
- Construction contractors
- Motorbus companies
- Companies that operate vehicles over public highways to provide transportation services
- Liquid propane gas dealers
- Natural gas dealers
- Employers whose workers are on furlough programs
80% of all Texas workers have some workers’ compensation coverage. For the 20% that don’t, most work for very small businesses.
But notice what I didn’t say there – that workers have adequate coverage they need when injured at work. In Texas, and even in all other states that mandate worker’s compensation coverage, workers often get just part of their wages and medical bills covered.
So, What Do You Do if You’re Hurt at Work in Texas?
First, you should report the injury immediately. If you wait, your hesitation can be seen as a sign that you’re lying about or exaggerating your injuries.
Next, consider running the facts of your situation by a personal injury lawyer. You want to make sure you’re getting a fair deal. And these situations can be confusing and overwhelming because of the practically “foreign language” used.
It especially makes sense to talk to a personal injury attorney if:
- Your loved one was killed because of the gross negligence of your employer
- Your injuries were a direct result of someone else’s negligence (other than your employer) during your employment
- Your injuries happened at work and your employer was negligent and not a subscriber to Texas Workers’ Compensation
Like we said, Worker’s Comp is a mess. So best to talk to a Dallas work injury attorney, just to make sure everything’s going as it should.