Why Understanding the Difference Between a Texas Non-Subscriber Case and a Workers’ Compensation Case Matters
Workplace injuries can have lasting consequences—physically, emotionally, and financially. If you’re dealing with long-term or permanent injuries due to a job-related accident in Texas, it’s critical to understand how your employer’s coverage status impacts your rights to compensation and medical care.
“Understanding the difference between a Texas Non-Subscriber case and a Texas Workers’ Compensation case is crucial to understanding your rights to compensation and medical care.”
— Attorney Hector L. Sandoval
Are You Covered by Workers’ Compensation or a Non-Subscriber Plan?
In Texas, employers can either subscribe to the state-managed workers’ compensation program or opt out and become a non-subscriber, which means they use a private insurance plan or manage claims internally. This decision drastically changes how your injury claim is handled and what you’re entitled to receive—especially if your injury leads to long-term disability.
Here’s what you need to know:
Workers’ Compensation vs. Non-Subscriber: What’s the Difference?
Workers’ Compensation:
- Provides limited benefits for medical care and partial wage replacement
- Generally protects the employer from lawsuits, even in cases of negligence
- Doesn’t allow for pain and suffering or punitive damages
- You may be entitled to lifetime medical care for permanent injuries
Non-Subscriber Employer:
- May offer a private injury benefit plan, which often limits your medical care
- Does not have legal immunity—meaning you can sue for negligence
- You can seek pain and suffering, full lost wages, future medical expenses, and more
- If your long-term injury was caused by employer negligence (even just 1%), they may be held fully liable
Long-Term Injuries Deserve Long-Term Protection
In cases involving serious injuries—such as back injuries, traumatic brain injuries, nerve damage, or repetitive stress conditions—you’ll need more than just basic medical care. You’ll need:
- Ongoing treatment and rehabilitation
- Compensation for lost future earning capacity
- Modifications to your lifestyle or home
- Emotional and mental health support
If your employer is a Texas non-subscriber, you may be entitled to pursue a personal injury lawsuit to recover all of these damages and more. But time is of the essence.
Why Choose Sandoval Law Firm?
Attorney Hector L. Sandoval and his team are experienced in handling both Texas non-subscriber injury claims and traditional workers’ compensation cases. We help injured workers understand their rights and hold negligent employers accountable.
We’ve seen firsthand how employers try to downplay long-term injuries or push injured workers into accepting inadequate settlements. Let us help you secure the full compensation you need to move forward with your life. Contact Sandoval Law Firm at (346) 347-7777 today for a free consultation and let us help you explore all your options for recovery.