Risk Management

The District is committed to the health and safety of all employees in the workplace. All work-related incidents and injuries, no matter how minor, should be reported to your supervisor. Any employee who reports a work-related incident must complete and sign the Employee Report of Injury form as soon as possible after the incident. Once the Employee Report of Injury form is complete, it should be forwarded to Stephanie Skinner, Risk Manager, sskinner2@magnoliaisd.org.

Workers' Compensation benefits may cover medical expenses and/or provide temporary income benefits. Employees who are unable to work due to a work-related injury or illness will be notified of their rights and responsibilities under the Texas Labor Code.

The first seven days of your injury, according to the Texas Labor Code, are called the waiting period. If you are unable to work, Board Policy (CRE-legal and local, DEC-legal and local) allows you to choose to use any available local/state leave days to supplement your workers’ compensation income benefits. If you have exhausted all of your leave days or elect not to use them, you will be docked your full daily rate. The combination of using local/state days and receiving WC income benefits may not exceed 100% of your regular pre-injury salary.

Employees with questions about workers' compensation should contact Stephanie Skinner in Human Resources at (281) 356-3571 extension 10111.

Best Practices for Completing the MISD Employee Report of Injury Packet

Report your injury
All on-the-job incidents and injuries must be reported to the employee’s supervisor immediately even if the employee will not need medical attention or need to be off work.

Complete the required documentation
Along with the supervisor, the employee must complete the Employee Report of Injury Incident form. The employee and supervisor will sign the form.

Note: If the employee is not able to complete the form for any reason, the supervisor must complete the form with as much information as possible. A supplemental form can be completed and submitted when the employee is able to complete the form.
Note: The MISD Employee Report of Injury Packet is available in two options:
- Campus/Department Secretaries have hard copies available.
- Online packets are accessible at magnoliaisd.org as follows:
  - Departments
  - Risk Management
  - Risk Management and Workers Compensation

A copy of the completed Employee Report of Injury Incident form must be sent to Stephanie Skinner.

If you need to go to the doctor
If necessary, obtain medical attention. Our carrier has a non-network policy/choice aspect. If medical attention is required, the employee should seek care from a medical provider of their choice who accepts workers’ compensation insurance. Most urgent care centers accept workers’ compensation insurance.

Employees with severe injuries should proceed to an emergency room for treatment.

After you go to the doctor
All paperwork received by the injured employee after each visit to a medical provider should be promptly forwarded to Stephanie Skinner, most importantly the Texas Workers’ Compensation Work Status Report (DWC Form 73).

Stephanie Skinner, Risk Manager
Inter-Office Mail: Human Resources Department
E-mail: sskinner2@magnoliaisd.org
Phone: 281-356-3571 extension 10111
FAX: 281-259-7459

Best Practices for Completing the MISD Employee Report of Injury Packet

FAQs - Frequently Asked Questions About Workers' Compensation

What is Workers Compensation?
Workers’ Compensation is a state-regulated insurance program that pays reasonable and necessary medical costs if you have a compensable on-the-job injury. Under workers’ compensation law, your injury or illness is covered, without regard to fault, if it was sustained in the course and scope of employment while furthering the business affairs of your employer. This includes injuries sustained during work-related travel. Injuries are not covered if they are the result of horseplay, willful criminal acts or self-injury, intoxication from drugs or alcohol, voluntary participation in an off-duty recreational activity (even if on district property), a third party’s criminal act if directed against the employee for a personal reason (unrelated to work) or acts of God.

When am I required to report an injury?
At Magnolia ISD, we require all employees to report on-the-job injuries to their supervisor within 24 hours. Whether you intend to seek medical attention or not, all work injury incidents should be reported to your supervisor by the conclusion of the workday. Your school or department will then report all on the-job injuries to the Risk Manager. Medical providers verify injuries with Risk Management prior to providing treatment. Therefore, proper and timely reporting is essential.

How do I choose a doctor that accepts workers’ compensations?
You may initially choose to see a doctor of your choice as long as they accept workers’ compensation insurance. Personal insurance is not intended to pay for treatment due to the effects of an on-the-job injury.

How much does Workers’ Compensation (WC) pay if I am unable to work?
Workers’ compensation will replace 70% of your lost wages (if your earnings exceed $10.00 an hour) or 75% of your lost wages (if your earnings are less than $10.00 an hour). However, the payment of lost wages is subject to a maximum rate as determined by the State each year. If your injury causes you to be unable to work for more than seven (7) calendar days as supported by medical documentation, then you may become eligible for temporary income benefits on the eighth day of disability. Temporary income benefits are not paid for the first seven (7) days after your injury (known as the “waiting period”) unless your disability extends for more than 14 days.

How does being off work affect my paycheck from Magnolia ISD?
If you are unable to work, Board Policy (CRE-legal and local, DEC-legal and local) allows you to choose to use any available local/state leave days to supplement your workers’ compensation income benefits. If you have exhausted all of your leave days or elect not to use them, then you will be docked your full daily rate (including the initial 7-day calendar waiting period), but you will receive temporary income benefits as specified above. The combination of using local/state days and receiving temporary income benefits may not exceed 100% of your regular pre-injury salary.

How am I paid for my first seven days off work due to my work-related injury?
According to the Texas Department of Insurance, Division of Workers’ Compensation (DWC) regulations, Magnolia ISD does not pay injured workers for the first seven days off work. However, you may choose to use your accrued leave for the first seven days as explained in MISD board policy CRE (LEGAL).

Why do I have to use my own local/state days when I was injured at work?
The timing and payment of workers’ compensation income benefits is governed by the Texas Labor Code. In accordance with the Texas Labor Code, your period of disability must exceed 14 days before you will be entitled to receive temporary income benefits for the first seven (7) days of your lost time.

What if my doctor says I can go back to work, but I don't think I can?
If Magnolia ISD tenders a bona fide offer of employment to you based on your current restrictions and you choose not to accept that offer, you may lose your entitlement to temporary income benefits. A bona fide offer of employment is an employer's letter offering you modified or alternate work to be done on a temporary basis consistent with your medical restrictions.

Does leave and workers’ compensation provide an employee with the same level of job protection?
Leave provides full or partial pay and rights to be restored to the same or equivalent position. Specific rights are dependent upon the type of leave. In contrast, workers’ compensation does not provide leave benefits or job restoration rights. An employer can fill the position of an injured employee on a case-by-case basis due to a business necessity. Workers’ compensation is an indemnity plan that provides injured employees with necessary medical treatment and, in some cases, income replacement benefits. Income benefits include:

Temporary Income Benefits (TIBS)
Impairment Income Benefits (IIBS)
Supplemental Income Benefits (SIBS)
Lifetime Income Benefits (LIBS)

What to do if I receive an invoice for an injury that was treated under Workers’ Compensation?
Invoices should be sent to Risk Management immediately to one of the following options:

Inter-Office Mail: Stephanie Skinner, Human Resources
Email: sskinner2@magnoliaisd.org
FAX: 281-259-7459

Employee Report of Injury Packet

Notices

Insurance Options for Students

Sports/UIL Insurance: District Sponsored:

Magnolia ISD, through the Risk Management department, has purchased Accidental Bodily Injury Insurance for all students, grades 7 - 12, who participate in school-sponsored UIL events and activities. This includes district travel to and from the event.

If a student is injured while participating in a school-sponsored UIL activity, a claim form will be completed by the Athletic Trainer and given to the student’s parents or guardian. It is the responsibility of the parent or guardian to complete their portion of the claim form and follow directions on how to submit the form and any supporting documentation to the insurance company.

These accidental student insurance policies are designed to act as supplemental (secondary) coverage on top of the individual’s primary health insurance coverage; however, it can be used as primary coverage for accidents if the student does not have insurance. Also, if the student is covered under Medicaid or CHIPs, then the Texas Kids First plan will act as primary accident insurance. The plan will only pay within the limits of the policy, which could be a portion of the medical expenses. This district-purchased plan also provides catastrophic insurance coverage for injuries that exceed $25,000 in medical costs.

Voluntary Accident-Only Insurance for Students: Available for Purchase:

Any parent or guardian can also purchase any of the Texas Kids First Insurance plans for their student(s), regardless of grade level, directly from www.texaskidsfirst.com. In that case, Texas Kids First plans would act as primary insurance for accidental bodily injury.

At-School Accident Plan – This plan covers accidents occurring at school, during school hours. (Excludes participation in High School Varsity Football activities). At-School coverage may be purchased with or without sports.

$30.00 per school year without sports

$90.00 per school year with sports

24-Hour Accident Plan - This plan covers accidents anywhere, around the clock. (Excludes participation in High School Varsity Football activities). 24-Hour coverage may be purchased with or without sports.

$80.00 per school year without sports

$180.00 per school year with sports

You may view or purchase plans online at www.texaskidsfirst.com.

1) To view plans, click on “Plans” at the top of the page to view a brief explanation of the options available.

2) To enroll, simply click on “Enroll” at the top of the page. Read the section on Facts and the Policy. Then click on Begin Enrollment located at the bottom of the page. Select Magnolia ISD and the type of plan you want to purchase. The transaction will be processed using a secure payment gateway.

To receive more information about the plan options, call Texas Kids First at 1-800-366-8354.

Plans are underwritten by Universal Fidelity Life Insurance Company. This is a brief illustration of the coverage offered through Texas Kids First K -12 Student Accident Insurance Program. The Policy issued will be the contract and will govern and control the payment of benefits subject to exclusions and limitations in the Policy.