|
|
Close





Texas Workers' Compensation: What you need to know

Under Texas law, workers' compensation coverage is voluntary for both the employer and the employee. Employers may opt out of the system simply by not purchasing insurance (although there are substantial risks associated with doing so). An employer that opts out in this way must notify the Division of Workers' Compensation and all employees. Employees of organizations that have insurance coverage may elect not to be covered by giving the employer a signed notice at the time of hiring stating that if injured at work, the worker will not take advantage of the compensation and procedures of the workers' compensation law. But an employer may not ask an employee to give such a waiver.

For a Limited Time receive a FREE Safety Special Report on the "50 Tips For More-Effective Safety Training."  Receive 75 pages of useful safety information broken down into three training sections. Download Now

The principal advantage to an employer of electing to be covered under the law is that it provides insurance against all work-related injuries. Workers' compensation is a "no-fault" or "strict-liability" system. Injured workers receive compensation regardless of who is at fault. It makes no difference whether the employer (or the employee) has been negligent or careful. Workers' compensation pays the same in either case. In exchange for this guarantee of compensation, employees give up the right to sue for damages, and employers enjoy immunity from lawsuits by injured workers.

Risks of Noncoverage

Employers who opt not to be covered by workers' compensation take substantial risks. When an employee sues an uninsured employer for a workplace injury, the employer is prohibited from taking advantage of the defenses of assumption of risk, negligence of fellow employees, and contributory negligence. This makes it easier for an employee to win in court. Moreover, there is virtually no limit on damage awards in such cases. An employee who ...


>> Read more about Workers' Compensation

Related Topics

More on this topic:

Who Is Covered?
What Is Covered?
Insurance Coverage
Types of Injuries Covered
Benefits
Preexisting Conditions
Safety Plans
Safety Committees
Claims
Violations and Penalties
Additional Information:

State Requirements

National | Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | District of Columbia | Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland | Massachusetts | Michigan | Minnesota | Mississippi | Missouri | Montana | Nebraska | Nevada | New Hampshire | New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Oregon | Pennsylvania | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia | Washington | West Virginia | Wisconsin | Wyoming |

Texas Workers' Compensation Resources

Workers' Compensation Products

Compensation.BLR.com
Compensation.BLR.com will help you price jobs competitively and comply with FLSA and wage and hour laws in your state. Get reliable salary data in seconds, along with the answers to complex state overtime compliance questions in one easy to use website. Get a VIP tour - call 1 800 454-0404"
Employee Compensation in [Your State]
This comprehensive resource solves your two biggest headaches in employee compensation. It gives you wage and hour law explanations and comparisons between state and federal. Saves you time and worry, makes sure you pay competitively.
    Subscription includes online companion site. "
Safety.BLR.com - Making Safety Training and Compliance Easier
Safety training and compliance just got easier. You get easy access to hundreds of training solutions, easy-to-understand regulatory analysis, analysis of federal and state full-text regs, regulatory activity, news, and best practices. Safety.BLR.com - your online safety solution."
Audio Click 'n Train: Workers' Compensation - What Supervisors Need to Know
This movie-like version of the powerpoint presentation with audio makes it easy to deliver workers' compensation training to your supervisors. This ready-to-deliver meeting gives you effective toolbox training - no preparation required! Includes meeting outlines, customizable PowerPoint® slides, handouts, quiz, trainer's guide and more!"
Click 'n Train: Workers' Compensation - What Supervisors Need to Know
Complete PowerPoint® training meeting made easy to deliver workers' compensation training to your supervisors. This ready-to-deliver meeting gives you effective toolbox training – no preparation required! Includes meeting outlines, customizable PowerPoint slides, handouts, and quizzes."
Free Special Reports
Get Your FREE Special Report. Download Any One Of These FREE Special Reports, Instantly!
Featured Special Report
Claim Your Free Copy of 50 Tips For More Effective Safety Training

Each Safety topic delivers effective training, including train the trainer preparation tips on blended learning programs, multilingual training, and computer-based training.
Download Now!


Covering Safety awareness in:
  • Back Safety
  • Bloodborne Pathogens Safety
  • Forklift Safety
  • Hazardous Waste Operations
  • Lockout/Tagout
  • Sexual Harassment and Safety
  • Violence in the Workplace
The report also provides special event and awareness tips like:
  • National Safety Month
  • National Fire Prevention Week
  • Lung Cancer Awareness Month
This is a time- and work-saving reference packed with effective training information.

Download Now!