What is workers' compensation?


Workers’ compensation (often referred to as “worker’s compensation,” “workers comp,” or workman’s comp”) is a state-run, no-fault insurance program which provides injured employees with certain benefits, including partial reimbursement for lost wages. While this seems like a noble effort to help those injured in workplace accidents, it’s almost never enough to cover your true losses. Why should you accept less than 100% of your lost wages due to an accident that wasn’t your fault?
Employers like workers’ compensation insurance because it effectively shields them from personal injury and wrongful death lawsuits. If your employer has workers’ comp, you cannot sue them. Your only option is to go through the workers’ compensation claims process (except if gross negligence was involved). Texas is unique in that it allows employers to “opt-out” of the workers’ compensation program. Many employers will opt out, and then enact a program disguised to look like workers’ compensation in an attempt to fool their employees into thinking that they cannot sue. The best way to determine the status of your employer, and thus your legal options, is by calling a law firm who can verify with the Texas Department of Insurance.
Rasansky Law Firm can do this for you. Call us today at (214) 617-1886.



2525 McKinnon Street #550 Dallas, Texas 75201

Note: The information that was utilized in this post was gathered from the use of secondary sources. This information used has not been confirmed or independently verified. If you locate any information that is not correct, please contact our firm as soon as possible so that we can make the appropriate corrections. If you find any information that is false, we will remove or correct the post immediately after it is brought to our attention.

Disclaimer: As a valued member of the Dallas community, Rasansky Law Firm’s goal is to improve the safety of all residents in the great state of Texas. These posts should not be viewed as a solicitation for business and the information included herein should not be taken as medical or legal advice. The photos used in this post are not representative of the actual crash scene.

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