If you have ever worked in or around an oil refinery, you already know it is a high-risk environment. The machinery is heavy, the chemicals are volatile, and the work is physically demanding. Houston is a popular city in Texas. In Houston, refineries and petrochemical plants are a significant part of the local economy.
While these facilities power global industries, they also present substantial risks to the thousands of workers who keep them running. So, when oil refinery explosions in Houston occur, the aftermath is overwhelming. Workers are left with serious injuries, mounting medical bills, and questions about how they are going to support their families.
That is why understanding how workers’ compensation works is important.
Does Your Employer Carry Workers’ Comp?
Unlike many other states, Texas does not require private employers to carry workers’ compensation insurance. That means not all refinery workers in Houston are automatically covered. Some large companies opt in, but others might be “non-subscribers,” which complicates the claims process.
If your employer does carry workers’ compensation insurance, you are entitled to benefits regardless of who was at fault for the accident. If they do not, you may still have the right to file a personal injury lawsuit against the company or other responsible parties. Still, that process involves proving negligence, which can be more complex.
What Does Workers’ Compensation Cover?
Workers’ compensation benefits are designed to cover various expenses and losses resulting from workplace injuries.
- Medical Expenses: This includes hospital stays, surgeries, rehabilitation, prescription medications, and any long-term care you might need.
- Lost Wages: If your injuries keep you from working, the policy can provide a portion of your lost income, usually about 70% of your average weekly wage, up to a certain cap.
- Disability Benefits: Whether you are temporarily unable to work or have suffered a permanent injury, you may be eligible for different disability benefits.
- Death Benefits: If the accident was fatal, surviving family members may be entitled to compensation to help cover funeral expenses and lost income.
It is important to note that workers’ compensation does not compensate for pain and suffering. You must pursue a separate personal injury claim if a third party contributed to the accident.
Common Causes of Refinery Injuries
Oil refineries are dangerous places, and accidents often result from various factors. Some of the most common causes include
- Mechanical failures due to poor maintenance
- Chemical leaks and improper handling of hazardous materials
- Explosions resulting from electrical issues and flammable gases
- Inadequate training and safety procedures
- Human error and fatigue due to long shifts
In major incidents like oil refinery explosions in Houston, multiple parties may be involved, including contractors, equipment suppliers, and even third-party vendors, which can open the door to additional legal options outside workers’ compensation.
Why You Should Speak With an Attorney
The claims process is not always straightforward, even if your employer has workers’ compensation insurance. Your claim could be denied, delayed, or underpaid. And if your employer is a non-subscriber, you will need help navigating a potential lawsuit.
An experienced refinery accident attorney can help you:
- Gather and preserve evidence.
- Work with investigators and safety experts to build your case.
- Ensure you meet all deadlines and paperwork requirements.
- Negotiate with insurance companies or pursue a lawsuit if needed.
In high-stakes cases involving explosions, severe burns, or long-term disability, having legal representation can make a massive difference in the outcome of your case.
Conclusion
In conclusion, refinery accidents are serious, and recovering from one is never easy. Whether dealing with minor injuries or a life-altering event, understanding your workers’ compensation rights is the first step toward protecting your future. Do not hesitate to speak up, ask questions, and get help from professionals who handle cases involving oil refinery explosions and other industrial accidents. The more informed you are, the better your chances of getting the compensation and care you need to move forward.
