After suffering a work injury you may be left feeling overwhelmed, stressed, and confused about what to do next. Discovering that your employer does not carry workers’ compensation insurance only adds to your distress. In Texas, employers can make a business decision not to carry this type of insurance. If they do so, they are classified as a “non-subscriber” (View a list of Texas non-subscriber businesses here). The good news for employees is that all hope for compensation after a work injury is not lost just because an employer is a non-subscriber. Injured employees may pursue a personal injury claim against the employer instead, even if they’ve signed an arbitration agreement.
Several Major Texas Companies Opt Out of Providing Workers’ Compensation Insurance for Their Employees
The full list of Texas businesses that don’t provide workers’ compensation insurance for their workers numbers in the thousands. Companies both large and small have elected to forego the protection that workers’ comp insurance provides them as well as the hard working people they employ; some of the largest and most recognizable non-subscriber companies in Texas include:
If you’ve suffered a work injury while working for any non-subscriber business in Texas, don’t give up hope. You may still be eligible to claim compensation for your injury to cover medical expenses, lost income, pain and suffering, and more. Our attorneys can help you determine whether or not you have a claim, Contact us online or call us directly 817-380-4888 for a free, no-obligation consultation.
4 Ways Employers Fail to Provide a Safe Workplace & Contribute To A Work Injury
If you've suffered a work injury, your employer may be responsible. Employers who fail to provide a safe workplace for their employees can be held liable for an employee who is injured. Examples of ways that employers fail to provide a safe workplace include the following:
- The employer failed to warn employees of dangerous conditions.
- The employer failed to train employees properly.
- The employer failed to provide adequate manpower.
- The employer failed to provide safe work tools or machinery.
There are many other ways an employer may ultimately be held responsible for failing to provide a safe workplace to its employees. It is important that you consult with an attorney who can help you analyze the facts and circumstances surrounding your injury and tell you whether you may be entitled to compensation.
5 Employee Rights After a Work Injury
After a work injury, it is crucial to understand that you have legal rights. Employers will often pressure employees to take certain actions after an injury that can ultimately harm the employee’s claim. Here are just some of the basic rights that all employees should keep in mind:
- Your employer is required by law to notify you that it does not carry workers’ compensation. For example, this information can be stated in an employee handbook or posted on an employee bulletin board.
- You are entitled to pursue a personal injury claim against your employer even if your employer pays for your medical care. This is important to remember, because the costs associated with an on-the-job injury often go well beyond basic medical costs.
- You are entitled to pursue a personal injury claim against your employer even if your employer pays for some of your lost wages. Simply providing you with some amount of income while you are unable to return to work due to your injury is not enough to prevent you from having the ability to file suit against your employer after a workplace injury.
- You do not have to give a statement about what happened without first speaking to your attorney. This is a crucial right to remember because anything you say in such a statement could later be used against you during a lawsuit.
- Similarly, you do not have to sign any paperwork relating to the incident or provide access to your medical records without first consulting an attorney. If you are asked to complete an incident report, be as detailed as possible.
Take These Steps After a Work Injury If Your Employer Doesn't Have Workers' Compensation Insurance
Understanding what steps to take after a work injury is extremely important. The success of your claim could depend on the actions you take after the injury. We recommend doing the following if you are injured on the job:
- Report your injuries. It is important to make these reports even if your injuries are only minor. Failing to report an accident could result in a loss of your ability to pursue a claim.
- Consult with an attorney who can protect your legal rights immediately following an injury on the job. Remember, even if you signed an arbitration agreement, you’re still able to speak with an attorney.
- Attend all medical and rehabilitation appointments relating to the injury.
- Follow all advice and recommendations given by your medical providers.
- Identify all witnesses.
- Keep a written record of the details, including what the employer may have done to contribute to its occurrence.
Contact Us for a Free Analysis of Your Potential Non-Subscriber Case
While a work injury is never a pleasant experience, the good news for employees is that they may be entitled to compensation for their losses. This may include medical bills, future medical expenses, lost income, pain, and emotional suffering. It is important to seek guidance from an experienced workers' compensation attorney in order to protect your legal rights, and the Hart Law Firm is here to do just that. From our office in Colleyville, we help injured victims throughout Texas including Arlington, North Richland, Grapevine, Bedford, Hurst, Euless, Irving and all points in between.
Contact us online or call us directly at (817) 380-4888 to learn more.