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Lifetime Income Benefits (LIBs)

Some work-related injuries are so bad that you can receive income benefits for your entire lifetime.

You could be eligible for LIBs if you have:

  • total and permanent loss of sight in both eyes;
  • loss of both feet at or above the ankle;
  • loss of both hands at or above the wrist;
  • loss of one foot at or above the ankle, and loss of one hand, at or above the wrist;
  • an injury to the spine that results in permanent and complete paralysis of both arms, both legs, or one arm and one leg;
  • a physically traumatic injury to the brain resulting in incurable insanity or imbecility;
  • third degree burns that cover at least 40 percent of the body and require grafting, or
  • third degree burns covering the majority of either both hands or one hand and the face.

Note: The "total and permanent loss of use" of a body part means the actual loss of that body part.

What you could get:

LIBs are 75% of an injured employee's average weekly wage (AWW), with a 3% increase each year.

There is a maximum for the first year, but the maximum does not apply to the 3% annual increases.

To find out how much you would receive, call 800-252-7031 Ext. 1.

When LIBs begin:

If you think you are eligible for LIBs, send a written request for them to your insurance carrier. The insurance carrier must respond within 60 days of receiving your request.

You should begin receiving LIB payments on or before the 15th day after the insurance carrier makes a decision. If your insurance carrier says you are not eligible for LIBs, it must send you a plain language notice that tells you why. If you don't agree, you may request a Benefit Review Conference to dispute the decision.

For more information:

Texas Labor Code (TLC) §§408 .161 - 408.162
28 Texas Administrative Code (TAC) §§131.1 - 131.4

Last updated: 4/23/2018