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Types of workers' compensation benefits vary

When you are injured at work, you might be able to seek workers' compensation benefits. As we discussed previously, not all employers in Texas are required to have workers' compensation coverage. If you are injured on the job, your first step should be to determine if your employer has workers' compensation coverage.

If your employer has workers' compensation coverage, there are four types of coverage that are required -- medical benefits, income benefits, burial benefits and death benefits. If you were injured, medical benefits and income benefits are your primary concerns.

Medical benefits cover the medical bills that you incur because of the injury. If you suffered from a workplace illness, such as mesothelioma because of asbestos exposure, your bills for the treatment of the illness will be covered.

When it comes to income benefits, things get a little more involved. There are four types of income benefits. Lifetime income benefits are benefits that would continue for the remainder of your life if you are permanently disabled. Supplemental income benefits, impairment income benefits and temporary income benefits are all benefits that are possible if you aren't permanently disabled.

The amount of the income benefits you receive depends on the amount of your income that you earned the 13 weeks before the injury. Once that is determined, a percentage formula is used to determine the amount you will receive. Temporary income benefits, the first year of lifetime income benefits and death benefits are paid up to 100 percent of your state average weekly wage. Impairment income benefits and supplemental income benefits are paid at a rate of up to 70 percent of the SAWW.

If your employer doesn't carry workers' compensation coverage or if you are unsure about your claim, you should learn about all the options that are available to you. This might include more than just filing for workers' compensation.

Source: Texas Department of Insurance, "Workers' Compensation Income and Medical Benefits," accessed Oct. 09, 2015

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