In Texas, employers can opt out of the worker’s compensation program. Those who make that choice are known as non-subscriber employers. No matter which kind of employer you work for, you may be entitled to compensation for your injuries if you get hurt on the job. But, just how do non-subscriber injury claims in Texas work after a Houston work injury?
Let’s take a look at some key differences between workers' compensation and non-subscriber injury claims in Texas.
Know the Difference Between Workers’ Comp and Non-Subscriber Injury Claims in Texas
Workers’ compensation insurance can be a benefit to both the employer and the employee. For the employer, the insurance pays workers who have been hurt on the job to compensate them for those injuries. And for the employee, the system allows you simply to file a claim for benefits with the insurance company.
In the case of non-subscriber employers, however, you may have to take your case to court in order to be awarded the compensation you deserve.
In a non-subscriber case, you must prove that your employer is at least partially responsible for your Houston work injury. If you can demonstrate that the employer bears at least partial responsibility, you will be entitled to have all of your medical bills and all of your lost wages covered. You may also be able to collect damages related to lost earning capacity and the loss of future wages if your injury has resulted in partial or full disability. Finally, a non-subscriber case allows you to pursue compensation for pain and suffering or to pursue punitive damages if you can show that the employer was grossly negligent.
Non-subscriber injury claims in Texas are significantly different from workers’ compensation claims. Getting compensated if your employer is a non-subscriber can be much more complicated than with workers’ comp. But on the plus side, the damages you might collect can be substantially larger and cover more of your injury-related losses.
We Can Help With Non-Subscriber Claims for a Houston Work Injury
If you have suffered a Houston work injury and your employer is a non-subscriber, the Houston work injury lawyers of SJ Injury Attorneys can help you navigate the ins and outs of the legal system to ensure that you are properly compensated. Contact us right away so we can get to work on your behalf.