3 Critical Questions to Ask in Your Texas Non-Subscriber Work Injury Case
If you’ve been injured while working for a Texas Non-Subscriber employer, you might be wondering whether your case warrants legal action. Many injured workers assume that their employer’s injury benefit plan will cover all their medical expenses and lost wages—but this is not always the case.
Texas Non-Subscriber employers operate outside of the state’s Workers’ Compensation system, meaning their insurance plans are privately managed and often designed to limit the amount of compensation you can receive. So, how do you know if your injuries are serious enough to justify filing a lawsuit?
Ask yourself these three key questions to determine whether you may need to take legal action against your employer.
📞 Call Sandoval Law Firm, PLLC at (346) 347-7777 for a FREE consultation to discuss your case today!
1️⃣ Do My Injuries Affect My Ability to Work and Live My Life Comfortably?
One of the most important factors in deciding whether to pursue legal action is the impact your injuries have on your daily life. Consider the following:
- Are you unable to perform the same job duties as before?
- Does your injury prevent you from working at full capacity?
- Are you struggling with basic daily activities, such as walking, lifting, or driving?
Even if your employer’s insurance provider offers medical coverage, if your injury has caused significant physical limitations that interfere with your work or personal life, you may have the right to file a personal injury lawsuit against your employer for full compensation.
2️⃣ Will My Injury Cause Long-Term Limitations Even After Medical Treatment?
Some work injuries may heal completely, but others can result in long-term or permanent disabilities. If your injuries are expected to affect your ability to work and live normally for months or years, you should consider filing a lawsuit to ensure you are compensated for:
- Future medical expenses – Surgeries, rehabilitation, and ongoing care
- Loss of earning capacity – If you can no longer work in the same field
- Chronic pain and suffering – Compensation for reduced quality of life
💡 Key Insight: Many Non-Subscriber insurance plans do NOT provide permanent disability benefits—which means you could be left without financial support if your injury has lasting consequences.
3️⃣ Are the Medical and Wage Benefits from My Employer’s Insurance Enough?
Texas Non-Subscriber employers use privately managed insurance plans to cover workplace injuries, but these plans are not the same as Workers’ Compensation and often include:
- Limited medical benefits – Only covering select treatments or requiring you to see company-approved doctors
- Low wage replacement payments – Many Non-Subscriber plans do not fully compensate for lost wages
- No permanent disability benefits – If your injury prevents you from working long-term, you may be left without financial support
If your employer’s insurance is denying or delaying benefits, or if their settlement offer does not cover the full extent of your medical costs, lost wages, and pain and suffering, filing a lawsuit may be the only way to recover full compensation.
When Should You Contact a Texas Work Injury Lawyer?
If you answered “YES” to any of the three questions above, your injury may be serious enough to warrant a lawsuit. A Texas Non-Subscriber Work Injury Attorney can help you:
✔️ Determine if your employer was negligent in causing your injury
✔️ Calculate the full amount of compensation you’re entitled to
✔️ Negotiate a fair settlement with your employer’s insurance company
✔️ File a lawsuit if necessary to ensure you receive full benefits
Unlike Texas Workers’ Compensation subscribers, Non-Subscriber employers CAN be sued for negligence—meaning you may be entitled to far more compensation than what their insurance plan initially offers.
Don’t Settle for Less – Fight for the Compensation You Deserve!
If you’ve been injured while working for a Texas Non-Subscriber employer, don’t accept lowball offers or denied claims without speaking to a legal professional. Your health, financial stability, and future depend on securing the full compensation you deserve.
📞 Call Sandoval Law Firm, PLLC at (346) 347-7777 for a FREE consultation today! Let us fight for your rights and ensure you get the justice you deserve!