Texas Non-Subscribers: Companies Without Texas Workers’ Compensation
Work Injuries Covered by ERISA Injury Benefit Plans
Texas Non-Subscribers are companies that have elected to go outside of the coverage and rules of the Texas Workers’ Compensation program. These are not your typical Texas Worker’s Compensation or “Workman’s Comp” or “Worker’s Comp”, or “Work Comp” cases! Some of these companies we can identify by name as you see below! But most, you will need to do your research to figure out what type of work injury coverage your company has? You may ask why determining my employer’s status as a worker’s comp subscriber or non-subscriber matters? It’s because if you’re claim is being denied, the type of coverage your employer has for work injuries determines what you can do to fight for your rights! Non-subscriber companies have hired an insurance company to provide injured employees certain health and wage benefits under an ERISA Employee Benefit “PLAN”. We refer to these companies as “Third Party Administrators”. Some common ones are Sedgwick, Providence, Anchor Risk, and ESIS. Typically, if you don’t already understand what it means to be a Texas Non-Subscriber, you would not know whether your employer has true Texas Worker’s Compensation or, they have an Employee Benefit Plan.
Once you have confirmed that your employer is a non-subscriber, you need to determine if, even though your claim for benefits is being denied and you’ve received an “Adverse Benefit Determination” whether you could sue your employer for the injuries you are still dealing with. The simple question to answer is whether you would be able to prove that your injury was a result of your employer’s negligence? This questions sometimes is clear and other times, you’d need an experienced lawyer to help you comb through the details of the incident that led to your injuries.
How do I know if I have a Case where Sandoval Law Firm Can help?
In sum, it’s actually very easy to figure out if you have a case where we could help. Just ask the following questions:
- Do I have long-term injuries? (Injuries that you’ll have to deal with the rest of your life!)
- Is your employer a Texas Non-subscriber?
- Do I have some proof that my employer actions caused my injuries?
If the answers to these questions are all YES, then you very likely have a case where we could provide you some legal orientation, guidance and representation.
I am Texas work injury lawyer and for more than 20 years, I have represented injured workers including those in Non-Subscriber claims throughout Houston, Dallas, Austin, Corpus Christi, San Antonio and The Rio Grande Valley. For the first 12 years of my career, I handled work injury cases all over the country against all major railroads including Union Pacific, BNSF Railway Company, Canadian Pacific, Norfolk Southern, Canadian National, Kansas City Southern, etc.
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Non-Subscriber claims in Houston, Dallas, Austin, Corpus Christi, San Antonio and The Rio Grande Valley.
You can Actually File a Lawsuit in a Texas Non-Subscriber Case!
Keep in mind that one of the main differences between the two types of work injury cases is a very important one. If your employer has Workers’ Compensation Coverage, they cannot be sued even if they were negligent in causing your injury. If your employer has an employee benefit plan, and they’re a Texas Non-Subscriber, then you can file a lawsuit against them if their actions caused your injury. This is an important difference that hospitals, clinics, and doctors are not concerned about because they’re more focused on where they need to send the bill. Medical providers often use forms from the Texas Department of Insurance to report the status of your injuries and your restrictions even though your employer is a Texas Non-subscriber. For these reasons, you can’t trust your medical providers to tell what kind of coverage you could be entitled to. Whether your employer is a Worker’s Compensation subscriber can be determined in a matter of minutes, but this isn’t information that your employer is likely going to share with you voluntarily. You need to do your research or find someone who understands how to get to the root of the coverage.
Here at Sandoval Law Firm, PLLC, we understand the frustrations that injured workers face from the minute they get injured. The shaming and the resistance begin almost immediately. The concerns of the employee and the goals of the company following an injury-producing work incident do not run in the same direction.
That primary concerns an employee injured on the job are:
- Getting the proper medical attention;
- Getting compensated for missed time; and
- Getting back to work as soon as possible.
Do you work for a Texas Non-subscriber?
If you’re injured on the job and you work for a Texas Non-subscriber, what you’re likely experiencing the following:
- Your Employer refusing to take you to the emergency room immediately;
- Your Employer being more concerned about having you take a drug test;
- Having difficulty getting a hold of the insurance company representative that’s supposed to tell you when and where you can go to see a doctor;
- You finally see a doctor but all they do is try to minimize your injury and call it a sprain or a contusion (bruise;
- The doctors that you’re seeing put you on restrictions that your employer will not honor or, will not accommodate;
- You know that something more serious is going on, the doctors seem to think you need more serious exams but, the insurance does not want to approve it or, they want you to do some physical therapy first.
- That your benefits are being denied because the insurance company is claiming that you were already injured before the incident!
Texas Non-Subscribers Companies
Because Texas Non-Subscribers know that they can be sued or taken to arbitration for their negligent actions, the immediate goals of the company following an injury-producing work incident are to minimize the exposure to litigation. For this reason, good medical care for the injured employee can sometimes be compromised and delayed.
If you’ve been injured on the job and don’t know whether you are entitled to benefits under Texas Worker’s Compensation or, whether your employer is a Texas Non-Subscriber with an Employee Injury Benefit Plan, call Houston Work Injury Attorney Hector L. Sandoval and get the representation that you deserve! Sandoval Law Firm, PLLC helps injured workers. Call (214) 214-7713 for a free and informative consultation!
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Some Work Injury Case Results Won for Our Clients
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