What Work Injury Coverage Does Your Employer Have?
- Texas Workers’ Compensation (Texas Department of Insurance)
- Non-Subscriber (Work Injury Benefit Plan under ERISA)
- Self-Insured (Railroads and other large companies)
- No Coverage.
In Texas, if you suffer a work injury, you can have any one of the above situations in your case. Sometimes, determining which coverage you employer has can be difficult. Even if your employer, co-workers and adjusters are calling workers’ compensation, it can actually be a non-subscriber case.
How do I figure out if My Employer is a Texas Non-Subscriber?
Some companies are known Texas Non-subscribers. If you work for any of the employers below, your case is operating outside of Workers’ Compensation:
Texas Non-Subscribers Companies
- Best Buy
- Home Depot
- Tractor Supply
- Tom Thumb
- Pep Boys
- McDonald's (some locations)
- Oak Farms Dairy
- American Bottling Company (Coca Cola, Dr. Pepper, Keurig)
- Brookdale Senior Living
But, there are some other smaller companies that can also have non-subscriber work injury benefit plans. So, you have to investigate more thoroughly to determine if there is coverage. Here are the steps to figuring out if your employer is a workers’ compensation subscriber or not.
- Determine if Someone Is Paying For Your Medical Treatment or Wage Payments. If so, at least you now know that there is some type of insurance coverage in place. If no one is paying, you might be in a no-coverage situation.
- Search Your Employer’s Name on the Texas Department of Workers’ Compensation Website. Don’t worry, they will not find out. You can run a search on TDI’s website and by name and date of the incident and see if your employer has coverage. https://www.tdi.texas.gov/wc/employer/coverage.html You need to do your best to make sure you get your employer’s name correct. You can use a check stub or a DWC-73 to determine exactly what the name is that your employer is insured under. If you employer does not show up here, it very possible that they are a Texas Non-subscriber employer.
- Confirm with Human Resources. You can also go to your employer’s human resource department and ask if your coverage is workers’ comp or if it’s a non-subscriber work injury plan. They usually know that they have to tell you.
Once you’ve confirmed the type of coverage that your employer has, you can move on to choosing a lawyer that is the right fit for you, whether that’s a Workers’ Comp lawyer or, a lawyer that handles Non-subscriber cases.
Related: Not Your Typical Texas Workers’ Compensation Case
If Your Employer is a Texas Non-Subscriber Cases, Don’t Wait to Take Action!
Don’t go at it Alone! Navigating through treatment and new work schedules in a non-subscriber case is very difficult. Your employer and their insurance representatives are not going to make it easy for you. There are many traps, some of which you can read on this website. This is not your typical workers’ compensation case.
Once you’ve suffered a work accident working for a non-subscriber employer, there is no doubt that your life is never going to be the same. At Sandoval Law Firm, PLLC, as your attorney,. I will make sure that those responsible for causing my client’s injuries pay for all the resulting harms and losses. I will listen and make sure that I understand the full impact that the work injury case has had on our client and their family. I set expectations and focus on listening to our client’s needs to make sure they are being addressed. I make myself available to our clients. I work very hard on understanding our clients in these times of struggle and make every effort to be a firm post to lean on but, I am also available to provide verbal support to our clients.
An attorney-client relationship is built on trust and confidence, and we take this very seriously. If you’ve been injured at work accident (non-subscriber), do your research! We’re here to help injured Texans with their personal injury case.
For the last 5 years, Mr. Sandoval has represented injured workers & wrongful death cases in Non-Subscriber claims in Houston, Dallas, Austin, Corpus Christi, San Antonio and The Rio Grande Valley.
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