Even if your employer, the insurance company, and the doctors call it workers’ compensation, you may still have the right to file a lawsuit against your employer if their negligence caused your injury. Why? Because your employer could actually be a Texas Non-Subscriber! This means that the company has its own insurance plan (not the typical Texas Workers’ Compensation) that provides benefits and covers employee injuries on the job. These are known as Non-Subscriber Employers.
Many well-known companies in Texas have their own insurance plans to cover workplace injuries. Examples include: Stripes, Wal-Mart, Kroger, Academy, Home Depot, Target, La Michoacana Meat Market, HEB, and many more.
Texas Non-Subscriber lawyer Hector L. Sandoval has represented injured workers from various Texas cities.
Figuring out if you have benefits can be complicated.
Employers are often reluctant to cooperate and help you understand your rights. Therefore, if you are injured on the job, it’s crucial to take the proper steps to ensure that you don’t jeopardize your ability to claim your benefits.
One of the most important steps is to report your injury to your employer as soon as possible. Failing to do so could give your employer or their insurance company an excuse to deny your claim. Make sure to document the details of your injury, including how it happened, when it occurred, and any witnesses present. This information can be critical in building a strong case if you face resistance from your employer.
Additionally, seek medical attention immediately, even if your injuries seem minor at first. Some injuries, such as soft tissue damage or internal injuries, may not show symptoms right away but can worsen over time. Having medical records that document your injuries is essential for proving your claim and demonstrating the impact the injury has had on your ability to work and your overall quality of life.
Employers may also try to pressure you into seeing a specific doctor or accepting a settlement offer before you’ve fully understood the extent of your injuries or your legal options. It’s essential to consult with an experienced work injury attorney who can guide you through this process and ensure your rights are protected. An attorney can help you navigate the complexities of employer-provided benefit plans, gather evidence, and negotiate with insurers to maximize your compensation.
Don’t let your employer or their insurance company take advantage of your lack of familiarity with the system. By taking proactive steps and seeking legal advice, you can secure the benefits and resources you need to recover and move forward. If you have questions about your rights or how to proceed with your claim, don’t hesitate to contact a trusted attorney to help you every step of the way.