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Workers' compensation insurance is optional for most Texas businesses. However, many employers choose to carry coverage because it's a cost-effective option that can save a business money in the long run.
DWC Form-032, Request for Designated Doctor Examination FAQ.
If you have a workers' comp claim in Texas, you have one year to file a claim with the Division of Workers' Compensation in order to collect benefits. You need to file form DWC-041 at the local Division office or use the DWC's electronic filing system and request a copy for your file.
Texas, unlike other states, does not require an employer to have workers' compensation coverage. Subscribing to workers' compensation insurance puts a limit on the amount and type of compensation that an injured employee may receive - the limits are set in the law.
Private employers in Texas do not have to carry workers' compensation insurance. Those who do must inform employees and post a workplace notice with the name of the insurance carrier. If you are not sure about employer coverage, call the Texas Department of Insurance-Workers' Compensation at 1.800. 372.7713.
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Texas is the only state which does not require coverage. However, there are exclusions to this rule for some employers listed below: Any public employer including cities, counties, state agencies and state universities. Building and construction contractors for public employers.
Injured employees may get medical and income benefits set by state law, but generally may not sue their employers. Texas law requires all employers, with or without workers' compensation insurance coverage, to comply with reporting and notification requirements under the Texas Workers' Compensation Act.
By law, the WSIB's "In Case of Injury" poster (Form 82) must be prominently displayed in every workplace covered by the WSIB. We mail a copy of this poster to employers when they first register with us, along with a welcome package that lets new employers know what they need to know.

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