Lifetime Income Benefits (LIBs) in Texas Workers’ Compensation Claims
Certain work-related injuries may result in a condition for which you are entitled to income benefits for your lifetime.
Lifetime Income Benefits are paid if you incur:
- total and permanent loss of sight in both eyes;
- loss of both feet at or above the ankle;
- loss of both hands at or above the wrist;
- loss of one foot at or above the ankle and the loss of one hand, at or above the wrist;
- an injury to the spine that results in permanent and complete paralysis of both arms,
both legs, or one arm and one leg;
- a physically traumatic injury to the brain resulting in incurable insanity or imbecility; or
- third degree burns that cover at least 40 percent of the body and require grafting, or
- third degree burns covering the majority of either both hands or one hand and the face.
Amount of Lifetime Income Benefits
Lifetime income benefits equal 75 percent of your average weekly wage, with a 3 percent increase each year.
For example, if your average weekly wage is $500, your lifetime income benefits would be $375 a week:
75 percent of $500 (.75 x 500) equals $375
There is a maximum and minimum rate for LIBs. For example, if your average weekly wage is $1000.00, your lifetime income benefits would not be $750.00 a week because the maximum rate is set below that amount. The maximum and minimum rate changes each year based on the state average weekly wage. Click here to see the chart on maximum and minimum Lifetime Income Benefits rates.
Already Have an Ombudsman?
Your Ombudsman is underpaid, overworked, and not equipped to adequately handle their high caseload. Every day, injured workers report that it’s hard to get their ombudsman to return their calls. We’ve even heard credible reports of ombudsmen missing deadlines and (illegally) giving bad legal advice.
Learn More: An Ombudsman Is Not A Lawyer
When Lifetime Income Benefits Begin
Lifetime income benefits are paid from the time it is determined that your injury has resulted in a condition that meets one of the qualifying conditions for lifetime income benefits. If there is a dispute over eligibility for lifetime income benefits, the issue is addressed through the dispute resolution process.
When Lifetime Income Benefits End
You will receive Lifetime Income Benefits for the rest of your life.
Texas Workers’ Compensation laws are complex and impact many areas of an injured workers’ life and future. The insurance carrier has one goal: to limit or dispute your medical care and your entitlement to income benefits. Call 888-434-COMP (888-434-2667) and talk to our hard-working, experienced workers’ comp lawyers. You owe it to yourself to talk to an attorney who can help you understand your rights, responsibilities and options in this difficult time of your life. The call is free, there is no obligation, and all conversations are kept strictly confidential. Call today.
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Houston, Texas 77034
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Abbott, Clay & Bedoy attorneys are licensed only in the state of Texas unless otherwise indicated in the biographical section. Past performance is no guarantee of future results. We consider employment in another State only in association with co-counsel licensed in that State. References to laws are limited to federal and State of Texas law.