Workers' compensation insurance is a way to pay for some of the costs for employees and their families when:
- An employee is injured on the job
- An employee has an occupational disease
- An employee is killed on the job
- If it's an emergency, get care at the nearest facility.
- Report the injury to your employer as soon as possible.
- Your employer must report the injury to Texas Mutual. The sooner it is reported, the sooner we can help.
- Your employer must give you a copy of the injury report and the Employee Rights and Responsibilities.
- If your employer is enrolled in our health care network, please read the Notice of Network Requirements.
- If you already have a claim with Texas Mutual, you can get more information by calling (800) 859-5995 and asking for your adjuster.
Once you report the injury, a specialized adjuster will work on gathering information and additional details needed to determine the eligibility of the claim and benefits. They will reach out to you and your employer to get this information. If your claim is accepted, the adjuster, who is your claim partner, will be assigned to help you through the process. Your adjuster will also contact you and let you know what to expect in the coming days and gather any additional information to make sure you get the medical care and benefits you need. Once you have received medical care, your adjuster works with your doctor to find out what activities you can do while you're recovering. Your adjuster will continue to stay in touch with you during your recovery.
For a more in-depth look at the process, view our info sheet on the Steps of a Claim with Texas Mutual.
As an injured employee you have rights and responsibilities under the Texas workers' compensation system. You can visit the Office of Injured Employee Council's site to see the full list of Injured Employee Rights and Responsibilities, offered in several different languages.
The assigned adjuster to your claim will let you know what information they may need from you. Generally, they will ask you incident details about your injury, explain how workers' compensation works, go over benefits and talk to you about getting medical care. Once a claim has been established on your behalf you will receive a claim number specific to you, which is needed throughout the process.
Your adjuster will let you know what forms you need to sign. Depending on your communication preferences, your adjuster will send you the forms via email or mail.
If you already know what form you need, see the Forms section on the Just for Injured Workers page.
When your employer reports your injury to Texas Mutual, an adjuster is assigned to help you with everything from getting medical care to receiving benefits. It is important to communicate with them and stay in contact so they can answer any questions that may come up.
You can call (800) 859-5995 and ask for your assigned adjuster. Please be prepared to provide your claim number, date of injury or employer information.
Yes, the Texas Mutual Provider Directory app helps you:
- Locate an urgent care facility or treating doctor
- Find a specialist
- Locate pharmacies
- See injured employee articles and additional resources
We also have a Claim Assist app that gives injured employees access to their claim information, status of their benefit payments and other additional resources. Your adjuster will let you know if you are a good candidate for the app.
Your adjuster works with you to make sure you have access to all the resources you need. They will ask you if you prefer to receive forms and other necessary information through email or mail.
Speak to your adjuster to help address any concerns you may have about your claim. If you are not in agreement with Texas Mutual's decision, you have the right to dispute and can contact the Division of Workers' Compensation Customer Line at (800) 252-7031 or visit their site to learn more.
For additional resources to help with your recovery, visit our Injured Worker Resources page.
You can visit the Texas Department of Insurance, Division of Workers' Compensation to find more information and resources related to the workers' compensation system in Texas.
For resources related to recovery, visit our Injured Worker Resources page.