Workers compensation provides regular income benefits if you are unable to work due to a work injury. Many people refer to these benefits as comp checks. Compensation checks should provide for you and your family until you are able to return to work, but unfortunately sometimes you will receive less money than you actually need or deserve.
It is important that you understand your legal rights and get the help you need to ensure you receive the money you are due in your Texas workers compensation checks. Abbott & Associates LLC attorneys will work hard to help injured workers throughout Houston, TX and surrounding areas after a work injury. We can help you to make your initial benefits claim, resolve benefits disputes and determine whether your workers comp checks have been calculated incorrectly. Call us today to schedule a consultation and learn more.
Texas Workers Comp Checks – Providing for You After Injury
There are different types of benefits paid by an insurer after a work injury and you need to know what the compensation checks you are receiving are intended to cover. Understanding exactly what you are being paid for can help you to determine if it is possible to get your compensation check increased.
One possibility is that your compensation check is payment for your temporary income benefits (TIBS). Temporary income benefits are paid right after a work injury has made you unable to work. The amount you receive for these types of compensation checks is supposed to be calculated based on the 13 weeks of wages you were paid prior to the date of your accident or injury. Job benefits and overtime should be factored in when determining your wages. If you worked for less than 40 hours per week during the 13 weeks used for calculating your benefits, it may be possible to have those short weeks excluded so your compensation checks are higher.
The other possibility is that your compensation check is payment for impairment income benefits (IIBS). When you have suffered a major injury, you will be given an impairment rating based on how badly your injury has affected you. After you have this impairment rating, you will not be paid temporary income benefits any more. Instead, you will be based a set amount of money based on the impairment rating. If your impairment rating is 15 percent or greater, you’ll also get supplemental income benefits (SIBs) on top of the impairment income benefits.
Unfortunately, the income you get after you have received an impairment rating is often lower than your temporary income benefits. Furthermore, it is common for injured workers to get an impairment rating at 14 percent so the supplemental benefits are not available. Because of this, you may want to delay getting an impairment rating and you may wish to challenge the rating you have been assigned.
Knowing how the insurer derived your compensation check amounts, and how to challenge that decision, can be complicated. You need to make sure you understand these different types of benefits and often it is advisable to get legal advice from a Texas workers comp lawyer in order to ensure that you are maximizing your workers’ compensation income.
Getting Legal Help with Texas Comp Checks
At Abbott & Associates LLC, we know how important your compensation checks are to you and we will evaluate your situation and help you to get the money you deserve. Call us today to schedule a consultation and learn more about how we can help.