Don’t Let a Non-Subscriber Employer Delay or Deny Your Rights After a Workplace Injury
Were you injured on the job while working for a non-subscriber employer in Texas? Are you now facing delays, denials, or a lack of communication from your employer or their private insurance company? You’re not alone—and you do have options.
At Sandoval Law Firm, we know how frustrating and unfair it can be when injured workers are left in the dark. Unfortunately, many Texas workers experience the “runaround” after reporting a workplace injury, especially when the employer has opted out of the state’s traditional workers’ compensation system.
What Is a Non-Subscriber Employer?
In Texas, employers have the option to opt out of the state-managed workers’ compensation program. These employers are called non-subscribers and instead rely on private injury benefit plans. While this is legal in Texas, it often results in a system that puts the employer and their insurance company in control, leaving injured workers vulnerable to delays, low-ball settlements, and even outright denial of benefits.
Your Employer Still Has Legal Obligations
Even if your employer is a non-subscriber, they are still legally required to take specific actions following a workplace injury. Under Texas law, employers must report to their insurance carrier within 8 days of:
- Any work-related injury that results in the employee missing more than one day of work
- Any occupational disease the employer becomes aware of
- Any work-related fatality
Failing to report these incidents promptly or truthfully can severely impact your ability to access benefits and may be considered a form of negligence or bad faith.
Signs You’re Getting the Runaround
You might be experiencing the runaround if:
- Your employer delays reporting your injury or discourages you from filing a claim
- You’re referred only to company-chosen doctors who minimize your injury
- The insurance company takes too long to respond or makes confusing requests
- You’re pressured to return to work too soon or accept a settlement you don’t understand
- You’re denied benefits without a clear explanation
These tactics are all too common—and they’re meant to protect the employer’s bottom line, not your health or future.
You May Be Eligible to File a Lawsuit
Texas non-subscriber laws allow injured workers to file a personal injury lawsuit if the employer’s negligence contributed to the injury. Unlike traditional workers’ comp claims, these lawsuits can result in much higher compensation, including:
- Full lost wages (not just a percentage)
- Pain and suffering
- Emotional distress
- Medical expenses
- Future lost earning capacity
- And in some cases, punitive damages
Don’t Wait — Take Control of Your Case
The longer you wait, the harder it becomes to gather evidence, secure witness statements, and protect your legal rights. If you’re facing resistance from your employer or their insurance provider, now is the time to act.
At Sandoval Law Firm, we focus on helping injured Texas workers stand up to non-subscriber employers and fight for the compensation they deserve. We know the tactics these companies use—and we know how to beat them. Contact Sandoval Law Firm at (346) 347-7777 today for a free consultation and let us help you explore all your options for recovery.