In Texas, employers have the option to opt out of paying workers’ compensation coverage.
These companies are called non-subscribers. Workers’ compensation covers costs associated
with employee work-related injuries. If you have a work-related injury and your company is a
non-subscriber that means you can’t file a claim through workers’ compensation. Your only
option is to file a non-subscriber claim through your employer. In these cases it is always best to
speak to a non-subscriber claims Attorney first, so you know your rights and receive the
compensation you deserve.
What are Non-Subscriber Claims?
In Texas, you have a right to sue your employer for the full extent of your injuries when your
company has opted out of paying for workers’ compensation. Since this leaves you without
coverage for your injuries, a non-subscriber work injury claim is managed much like a personal
injury case. Because of this, you are not limited to how much money you can receive and
instead can sue for 100% of your damages. These companies are not protected from lawsuits
like companies who have workers’ compensation. That means your non-subscriber claims
Attorney can sue for:
● Lost wages
● Pain and suffering
● Diminished quality of life
● Loss of future income
Your non-subscriber claims Attorney will inform you of other damages you might be
entitled to due to your work injury.
What is Workers’ Compensation?
Workers’ compensation is an insurance system that provides coverage for medical bills and
some lost wages if you sustain an injury while on the job. Employers with workers’
compensation have limited liability for work-related injuries which means injured employees only
get coverage for some medical and income benefits. They really have no recourse as the
companies are protected by law.
As mentioned, the state of Texas does not require private employers to provide workers’
compensation. As a result, companies without compensation can face major damage awards
they must pay out to employees if the court finds them negligent.
Why Would My Claim Be Rejected?
Simply put, many non-subscriber employers reject claims to avoid having to pay. Without legal
guidance, it is easy for your employer to avoid paying out your damages because they can
claim they were not at fault for your injuries. However, when you use a non-subscriber claims Attorney, they understand the law and can help establish your company’s negligence
so you can receive financial compensation.
How to Seek Assistance from a Non-Subscriber Claims Attorney
When you sustain a work-related injury and your employer is a non-subscriber, always contact a
non-subscriber claims Attorney as soon as possible. They will provide a free consultation
to discuss your case and help you file and fight your non-subscriber work injury claim. Although
your work-related injury deserves compensation, unfortunately in Texas the opt-out option for
workers’ compensation can leave you footing the bill for your injuries.
Working with a lawyer you will be able to avoid the complicated process and have them help
you navigate the complex legalities behind such cases. They will listen to your story, investigate
your accident, and collect all the required medical information to help support your case.
To learn more about Nonsubscriber Claims and to get your deserved compensation from work-related injuries – even from a nonsubscriber, click here.