There are several reasons why getting help after a Texas work injury can be complicated: Lack of mandatory workers' compensation coverage: Texas is one of the few states that does not require employers to carry workers' compensation insurance. This means that many employees in Texas may not have access to the benefits and protections provided by workers' compensation. Learn about Texas Non-Subscriber Work Injury cases. Confusing legal process: Texas has a complex legal system for handling work injury claims, and the process can be difficult to navigate without legal assistance. ... Continue Reading

In Texas, some employers may not emphasize workers' compensation coverage for injured workers due to several factors: Lack of mandatory coverage: Texas is one of the few states that does not require employers to carry workers' compensation insurance. This means that some employers may not provide coverage to their employees or may only provide limited coverage. Limited benefits: Even when workers' compensation coverage is provided in Texas, the benefits may be limited compared to other states. For example, Texas has a cap on the amount of compensation for some types of injuries, which may ... Continue Reading

Some large companies in Texas may choose not to pay an insurance company to administer work injury claims made against them for several reasons: Self-insurance: Some large companies may choose to self-insure their workers' compensation claims instead of purchasing insurance from an outside carrier. This can be done to reduce costs, as insurance premiums can be expensive, especially for companies with a large number of employees. Learn about Texas Non-Subscriber work injury cases. Control over claims: By self-insuring, a company has more control over the handling of work injury claims. They ... Continue Reading

Employees in Texas may consider filing a lawsuit against their employers after a claim denial in several circumstances, including: Employer Retaliation: If an employer retaliates against an employee for filing a workers' compensation claim or reporting a workplace injury, the employee may have grounds for a lawsuit. Intentional Conduct: If an employer intentionally causes an injury to an employee or engages in conduct that intentionally places employees at risk of injury, the employee may have grounds for a lawsuit. Third-Party Liability: If an employee's injury was caused by a third ... Continue Reading

As a Texas Work Injury lawyer, these are the Top 3 Coverage Circumstances we see! Workers’ Compensation: Your work injury is covered by Texas Workers’ Compensation Insurance! Texas Non-subscribers: Your work injuries are covered by an ERISA benefit plan and your employer is a Workers’ Compensation non-subscriber! Self-Insured: Your employer is self-insured. Arguably, there is a fourth situation that you could find yourself in and that’s when a work injury occurs and the employer does not have any coverage at all and is not financially stable enough to pay any work injury claims ... Continue Reading

Chances are, you don’t have much of a choice! Doctors treating injured workers under the Texas Non-subscriber program usually are instructed by the insurance company not to issue any major restrictions that would keep an injured employee off of work completely and receiving wage replacement payments from the work injury insurance plan. If you have been injured while working for a Texas non-subscriber employer, whether or not you should return to work should depend on a number of factors, including the severity of your injury, your doctor's advice, and the accommodations that your employer can ... Continue Reading

Sandoval Law Firm focuses on defending the rights of employees who are injured while working for employers who are not subscribers to the Texas Workers' Compensation Act Because Texas Non-Subscribers know that they can be sued or taken to arbitration for their negligent actions, the immediate goals of the company following an injury-producing work incident are to minimize the exposure to litigation. For this reason, good medical care for the injured employee can sometimes be compromised and delayed," explains Texas Non Subscriber attorney Hector L. Sandoval If you’ve been injured on ... Continue Reading

There are several reasons why people may be afraid to report a work injury for fear of being fired: Fear of retaliation: Some employees worry that if they report a work injury, their employer will retaliate against them by firing them, reducing their hours, demoting them, or otherwise treating them unfairly. Financial insecurity: Employees who live paycheck to paycheck may be worried that taking time off work to recover from an injury will result in lost wages and financial hardship, making them more vulnerable to being fired. Job security: Employees who believe that their job may ... Continue Reading

What work insurance plan covers you while you are out of Texas on business? As a Texas non-subscriber employee, you are not covered by workers' compensation insurance, which is a state-regulated insurance program that provides benefits to employees who are injured on the job. However, if you are injured while working out of state, you may have options for seeking compensation. If your employer hired you in Texas and they are a Non-Subscriber, you may be able to file a lawsuit against your Non-Subscriber employer in Texas if their negligence caused your injuries. Additionally, because you were ... Continue Reading

In most cases, no, it is not true that you can only see your employer's doctors for injuries sustained on the job. If you have been injured at work, you have the right to seek medical treatment from any doctor or healthcare provider of your choosing. However, in Texas and under some workers' compensation plans, your employer may have the right to choose the initial doctor who will treat you for your work-related injury. In some cases, your Texas employer may have a network of approved healthcare providers or a designated workers' compensation doctor that you must see for your initial ... Continue Reading