Get pharmacy help
Texas Mutual Insurance Company partnered with ScripNet to help ensure that your injured workers get the prescriptions they need for their compensable on-the-job injuries.
ScripNet has many pharmacies in Texas, including HEB and Walgreens. Ask your injured workers to present the ScripNet card at any network pharmacy to fill their workers’ compensation prescriptions.
To find a network pharmacy, go to www.scripnet.com, or call the ScripNet help desk at (888) 880-8562.
Control your claim costs
Workplace injuries carry direct and indirect costs. Direct costs, which include benefits for the injured worker, are covered your insurance carrier. Indirect costs, which include making up for lost production, come out of your pocket.
Texas Mutual Insurance Company works hard to control costs for our policyholders. You can help us by enrolling in our health care network, focusing on safety, launching a return-to-work process and fighting fraud.
Visit the safety resource center to find out how much money accidents cost your business. If you do not have a Texas Mutual® online username and password, complete the free application.
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Learn about benefits
Your workers' compensation policy provides four types of benefits for injured workers:
- Income benefits replace a portion of the employee's lost wages.
- Medical benefits pay for medical care related to the injury or illness.
- Burial benefits pay for some of the deceased employee's funeral expenses.
- Death benefits replace a portion of lost family income for eligible family members of employees killed on the job.
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Understand compensability dispute resolution
A compensable injury is an injury that is covered by your workers' compensation policy. Generally, injuries are compensable if they happened during the course and scope of employment.
That means the injury happened at work and was caused by work. Refer to the Texas Labor Code, Chapter 406, Section 032 for exceptions to the course and scope rule.
Texas Mutual Insurance Company adjusters conduct thorough accident investigations and strictly follow the law to determine whether an injury is compensable. If we decide to pay a claim and you disagree:
- Call the adjuster assigned to the claim and explain why you think the injury is not compensable. If you do not know the adjuster’s name, use our online loss run and claim detail tool, or call us
(800) 859-5995. If you and the adjuster cannot resolve the disagreement, move to step two.
- Submit Form DWC-4, Employer’s Contest of Compensability. By law, you must file the form with the DWC no later than 50 days after Texas Mutual Insurance Company received written notice of the injury. From there, the dispute enters the administrative phase. Click here for more information about dispute resolution.
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