Work Injury 101 (What do you need to know and do after you’re injured)

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You’ve just been hurt at work. What happens now? How serious is your injury? Do you need medical attention? Are you going to miss time from work as a result of the injury? Does your employer have insurance to cover you? Who will pay your bills? These are all important questions that you should ask yourself. When something happens, many of us try and down play what is going on. We’ve all had a pulled muscle that gets better over the weekend. We tell ourselves “by Monday I will be feeling fine and ready to go back to work.” But, what if this is not the case. You need to go through the proper steps to avoid complications. The first thing to do is to report the incident to your supervisor. Even if you do not feel the need to seek medical attention, the sooner you report the injury, the fewer problems you will have in the future. Many companies will have you fill out an incident/accident report. If it wasn’t serious, no harm no foul. However, it turns out to be something that requires medical attention, you have it documented. If you require medical attention, what type of insurance does your employer have? The State of Texas is the only state in the U.S. that does not require companies to be subscribers to workers’ compensation. If your company is a subscriber, your case will be handled through the Texas Department of Insurance (TDI), Division of Workers’ Compensation (DWC). If they are a non-subscriber, your company may have an Employee Retirement Income Security Act (ERISA), an Accident/injury policy or your employer may have no insurance at all. Each of the types of insurance has its own benefits and problems. You should always consult an attorney to get an understanding of how to handle your claim. If your injuries require medical attention, finding the right doctor is one of the most important things you can do. Many employers will attempt to send their workers to a clinic select by the employer. Why do they do this? Whose interest will the company doctor have, yours or your employer’s? You need to select a doctor that will aggressively diagnose and treat you, to get you well and healthy as soon as possible. You do not need a doctor that will try and save money at the expense of your health. We can help you find a doctor in your area that will provide the proper medical treatment for you injuries. If you need to miss time from work, the benefit plan will determine how you are to be compensated. If your company is a subscriber, the Texas Labor Code will determine what that rate will be. If your company is a non-subscriber, the policy may give a rate of compensation. If your company is a non-subscriber, you may have a cause of action against your employer for negligence. In the Dallas or Fort Worth area, Contact the Morris Law Firm, PLLC to make sure you are receiving all the benefits to which you are entitled.

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