When a Texas worker is injured in the course and scope of their employment (their employer must be a subscriber), there is an insurance policy that covers their injuries. This insurance policy pays 100% of the medical care for necessary and reasonable medical care. In addition, injured workers receive payments for disability and their impairments.
Types of Benefits:
Temporary Income Benefits:
Temporary Income Benefits (TIBs) are paid weekly to the injured worker prior to being placed at maximum medical improvement, when the worker is unable to earn the same income they received prior to the accident. Temporary Income Benefits are generally paid at 70% of the pre-injury average weekly wage. Make sure the amount includes any fringe benefits received from your employer.
Impairment Income Benefits:
Impairment Income Benefits (IIBs) are benefits you receive after you are found to be at maximum medical improvement. When an injured worker is found to be at maximum medical improvement, they are also given an impairment rating from 0-100%. For each point of impairment, the injured worker receives three weeks of Impairment Income Benefits. The benefits are not for disability, they are paid even if the worker is working full time.
Supplemental Income Benefits:
Supplemental Income Benefits (SIBs) are paid to injured workers that receive an impairment rating of at least 15% and are not capable of returning to their previous type of employment. Supplemental Income Benefits are paid monthly to injured workers who are completely unable to work, are actively engaged in seeking employment, are currently in a full time DARS approved program or are currently earning less than 80% of their pre-injury average weekly wage.
Lifetime Income Benefits:
Lifetime Income Benefits (LIBs) are generally paid weekly to injured workers who have an injury to their head that results in what the Division of Workers’ Compensation defines as incurable insanity or permanent imbecility. Additionally, an injured worker may be entitled to Lifetime Income Benefits if they loss one of the following:
1) The loss of use of both feet at or above the ankle;
2) The loss of use of both hands at or above the wrist;
3) The total loss of sight in both eyes; or
4) Certain combinations of the above.
Death or Beneficiary Benefits are paid to dependents of a worker who dies as a result of the compensable injury. This may be due to the results of the accident, treatment or medications taken for the effects of the accident.
Daniel L Morris, The Morris Law Firm, PLLC