If your employer is a Texas Non-Subscriber, your treatment will be determined by what benefits you have in your employer EMPLOYEE BENEFIT PLAN.
Either at the time that you hired on with your employer or, when your employer purchased their non-subscriber work injury insurance, your employer asked that you sign some insurance paperwork. Usually, at that time, you would have received the employee version of the PLAN called the SUMMARY PLAN DESCRIPTION. As part of this insurance arrangement, you very likely also signed an agreement to arbitrate any work injury dispute with your employer.
In a nutshell, the adjuster in your case or the human resources department tells you that you cannot see your own doctor because, if you see your doctor, you are not complying with the PLAN requirements of seeking treatment only with “approved” medical providers. You can see that this scenario very easily allows insurance companies and the insured employer big opportunities to limit the treatment that you receive when you get injured on the job. This arrangement allows the insurance company to do what’s best for the company by delaying your treatment and delaying your ability to get a true diagnosis.
If you’ve been injured working for a non-subscriber, don’t contribute to the delay you’re already experiencing in your case any further, speak with an experienced work injury lawyer and make sure your case is moving swiftly through the process. This will ensure that you make a swift recovery and get well sooner. The more you allow them to delay, the harder it will be on you and your family down the road.