Workers' Compensation Non-Subscribers in Texas
By: Zinda Law Group
For many companies in Texas, workers' compensation will cover the costs of your recovery, and even compensate you for lost salary due to your ailments. Workers' compensation is a government-managed form of accident insurance that an employer will pay for at no cost to their employees.
Unfortunately, not all companies in Texas opt-in to workers' compensation. These companies are referred to as non-subscribers. Seeking compensation from an alternative accident insurance can be much more difficult than workers' compensation, and you may be required to file a lawsuit to receive full compensation for medical bills and lost salary.
WORKPLACE INJURIES ARE MORE COMMON THAN YOU THINK
According to the United States Department of Labor, there were 62,910 workplace injuries in Texas during 2017. That is an average of 172 on-the-job injuries every day! There were over 500 fatal accidents in 2017, with an average of about 10 per week.
Of those injured workers…
COMPENSATION FROM NON-SUBSCRIBERS
In 2018, 28% of Texas employers were non-subscribers. This accounts for nearly 2 million employees. While many of these employees still had some kind of accident coverage, over 600,000 have no coverage at all!
While workers' compensation bars nearly all employees from filing a lawsuit against the employer, nothing protects non-subscribers from a lawsuit. If you are injured on the job while working for a non-subscriber, it may be in your best interest to contact a lawyer and file a claim against the company. A lawyer may be able to seek compensation for various damages resulting from the accident beyond medical bills and lost wages, such as loss of future income and diminished earning capacity.
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