Worker's compensation laws in Texas include chapter 406, subsection 32, which states the conditions under which a company is not liable for coverage, chapter 451 which prohibits discrimination or retaliation against employees who take out claims and chapter 408, section 102 which states the laws on the amount of benefits an employee can claim, as stated by Texas.gov. Texas is a state which does not require employers to have worker's compensation insurance for their employees.
Chapter 406.032 states that an employer is not responsible for paying Worker's Compensation if the employee was intoxicated at the time of the accident, the accident was a willful attempt to injure herself or another employee, an employee was attacked or injured by another employee for personal reasons, the accident was an act of God or an employee participating in horseplay resulting in injury. If the accident is the result of an act of God, however, employers may still have to pay when a job puts an employee at a higher risk of these types of accidents, according to the legal statutes shown on TX.us.
Chapter 451 is one of the most important Worker's Compensation laws, not only in Texas, but nation wide. Many employees fear to turn in a worker's comp claim because they worry they will be fired or retaliated against, but chapter 451 prevents this from happening. This law ensures that employees can use the benefits they are provided without fear.