What Is Workers' Compensation?
Workers' compensation is an insurance program regulated by the state that pays medical bills
and replaces some lost income for workers who are injured on the job or
develop work-related diseases or illnesses. Workers' compensation
pays for the cost of medical treatment and hospitalization related to
an injury or illness if the injury occurred in an
industrial accident or workplace or if the disease is job-related. Workers' compensation
will replace some of a worker's lost wages if the worker lost some
or all income for more than seven days.
Unfortunately, not all employers have workers' compensation insurance.
For example, Texas is the only state that allows employers to decide whether
to carry workers' compensation insurance. Public employers and employers
that enter into construction contracts with units of government are required
to provide workers' compensation. Employers may purchase workers'
compensation insurance from private insurance companies. Under Texas law,
certain large, private companies can self-insure for workers' compensation
claims. Employers who do not maintain workers' compensation must notify
their employees that they do not provide workers' compensation.
Want to know more about workers' compensation?
Contact an industrial injury lawyer from our firm.