Were you injured in a workplace accident and face the stress of mounting medical bills, lost wages, or an insurance company who refuses to pay? You may be an employee of a non-subscriber employer. The non subscriber employer status can present complex roadblocks to protecting your rights after a workplace injury — but you don’t have to navigate this problem alone. There are experienced attorneys dedicated to helping individuals like you fight for the compensation you deserve while you focus on your physical recovery.
What Are Non-Subscriber Employers in Texas?
Non-subscribers in Texas are employers who do not subscribe to workers’ compensation insurance. Workers’ compensation insurance is a type of insurance that provides wage replacement and medical benefits for employees who are injured in the course of employment. It is not mandatory in Texas for employers to participate in workers’ compensation insurance and can opt out to become “non-subscribers” instead.
As non-subscribers, these employers are no longer required to provide workers’ compensation insurance coverage. They are able to save money on premiums by opting out. On the other hand, there are some drawbacks to being a non-subscriber: The employer is exposed to greater legal liability if an employee is injured on the job; and two, there is no limit placed on how much an employer has to pay if an employee files a claim against them (whereas with workers’ compensation, there is usually a maximum amount that must be paid out). Finally, non-subscribers must still abide by all applicable state laws regarding workplace safety and health regulations.
What To Do if You Are Injured While Working For a Texas Non Subscriber Employer
Don’t lose hope after a work injury. If your work-related injury has left you unable to work with mounting medical bills then contact the experienced trial lawyers of Kherkher Garcia for peace of mind, a legal path forward, and to pursue maximum compensation.