How Texas Workers Compensation Benefits are paid
Temporary Benefits |
Lifetime Benefits |
Death Benefits |
1 st benefit is Temporary Income Benefits (TIBS) Max time is 104 weeks Paid 70% of AWW unless pay is $8.50 an hour or less, then you get 75% for the first 26 weeks |
Must be a permanent disability Paid 75% of AWW for life
|
Only two steps here Beneficiaries get 75% of employee’s AWW Paid weekly |
2nd benefit is Impairment Income Benefits (IIBS) Benefit calculated at 3 weeks for each % of impairment Paid at 70% of AWW You can commute* your benefits at this level |
You must suffer the LOSS OF: |
$6,000 Burial Benefit Death Benefits payable to dependent children or widow/widower Kids get it until 18 or 25 if they are in school |
3 rd benefit is Supplemental Income Benefits (SIBS) Must be at least 15% disabled to get to this level and have to try to find a job you can do |
Benefit is paid for the life of the employee. If the employee dies, no more benefit. |
Benefit is paid for her life or until she remarries. Then the benefit is commuted* for 104 weeks *Commute means paid in one lump sum |
After 401 weeks of Temporary Disability, you are out of time and out of money |
Permanent disability have no time limit Lifetime of injured employee |
Death benefits has no time limit unless widow remarries (kids to 18 or 25 if going to school) |
This is just a brief description. For further information, contact the Texas Workers Compensation Commission.
Tips of the Trade by Mary Roth CPCU