Workers Compensation Information

Overview of Workers Compensation

In Texas, each employer has the option to offer “Workers Compensation Insurance” to their employees. Those who do not offer such are referred to as “Non-Subscribers”. An employer assumes much more liability when they are a non-subscriber, which is why most employers subscribe to a workers compensation insurance plan.

In 2005, the workers compensation system was reformed by legislation. The intent behind the change was to reduce the expenses of the insurance companies through legal litigation, thus keeping the insurance affordable for Texas employers. While the concept was good, this created hardships for employees who are injured at work.

TMPA is working to correct these issues with the Texas Legislature.

If you are injured at work:

If you are injured at work, you must report the injury to your employer. The best practice is to report the injury immediately and in writing. If you wait too long to report the injury, there is a chance your claim can be denied for failing to report the injury.

If your employer refuses to submit the claim to the insurance carrier, or adjuster, you have the right to file the report with the Texas Department of Insurance (TDI) yourself. You can access this form here.

If any part of your claim is denied, you should contact the Texas Department of Insurance- Workers Compensation (TDI-WC) Division and ask to speak with an ombudsman. This ombudsman does not work for the insurance company and is there to assist you while you navigate through the workers compensation program.

The TDI-WC website will provide you with additional information on the rules and regulations pertaining to injured employees.