If you suffer a serious injury while on the job, you may expect that the workers’ compensation system will provide you with benefits for the rest of your life, especially if you continue to have medical bills related to the injury. Your employer likely expects the same thing. However, The Texas Tribune explains that the lifetime benefits offered under the system may not last a lifetime after all.
All it may take for a change in your benefits is a new doctor looking over your case. The doctor may not even examine you, and he or she will probably work for the insurance company. If this new doctor says your injury is not a long term issue, this could stop your lifelong benefits.
If this happens, then you have to prove otherwise. You will have to go through appeals and bring in your own doctors to prove the company’s doctor wrong. This will take time. In the meantime, you are left without benefits, which could be a huge financial burden.
This is common if you suffer an injury that requires a lot of medical treatment or expensive medical treatment. Insurance companies start to look for ways to cut costs and you come up at the top of the list. If they can get one ruling that you are not injured to the point of requiring lifetime benefits, they will take it and strip your benefits away. This leaves you in a bad spot having to prove your case all over again. This information is for education and is not legal advice.