“In the land of the blind, the one-eyed man is king.” - Anonymous.
The Texas workers’ compensation system is a complicated labyrinth of policies and procedures that are daunting even to the studied mind. The unguided injured worker can fall victim not only to work-related accidents, but also to the complexities of the law and the canny insurance companies. An experienced workers’ compensation lawyer can help you, an injured Texan worker, navigate the process of completing a workers’ compensation claim.
Texas is one of the few States in the Union that allows most employers the option of subscribing to workers’ compensation coverage, being self-insured with private insurance, or not subscribing to any workers’ compensation insurance at all. As the laws and procedures differ greatly, please note that this blog addresses only those claims filed under the Texas Department of Insurance Division of Workers’ Compensation (TDI-DWC), and does not apply to the injured workers of employers who do not subscribe to workers’ compensation under the Division’s guidelines.
TDI-DWC is the administrative body that regulates all subscribing workers’ compensation claims and any disputes are handled through its court system. TDI-DWC has been given the power by the state to set up rules and regulations to govern this area of the law. The Texas Legislature has mandated that TDI-DWC establish “fair and reasonable guidelines designed to ensure quality medical care for injured workers [achieve] effective medical cost control in the workers’ compensation system… [and establish] a program for resolutions of disputes regarding health care treatments and services.” (Tex. Lab. Code Ann. 413.011 and 413.013(1).)
This blog is not meant to substitute legal advice or representation by a competent attorney, but will hopefully answer some of your frequently asked questions to help you avoid the common mistakes that limit medical and monetary recovery.