The Bureau of Labor Statistics reports that 882,730 employees were hurt in 2018 while on the job – that accounts for 2.8% of all workers in the United States. If you’ve been injured on the job, you can usually seek compensation from your employer’s workers compensation insurance company; however, not all companies have workers comp. The companies that do have workers compare known as subscribers, and the ones that don’t are known as non-subscribers.
Whether your company is a subscriber or a non-subscriber affects the way you receive compensation for your injuries. This article will explain the differences between a subscriber and non-subscriber so that you can better understand how to gain compensation after a work injury.
Workers Compensation Subscribers
Not all states require employers to carry workers compensation insurance. One of these states is Texas. However, the state of Texas provides incentives for employers to encourage them to invest in worker’s compensation. These incentives are outlined in the Workers Compensation Act of 1993.
The Workers Compensation Act states that an employer who carries worker’s compensation coverage is exempt from employee lawsuits except in cases of gross negligence on the part of the employer. If there are signs of gross negligence, then an employee may file a civil lawsuit to receive additional compensation to cover the cost of injuries and lost wages.
Workers Compensation Subscribers provide their employees with a streamlined process to collect compensation for a work-related accident. This allows them to get their compensation quickly by filling out the proper paperwork. They are then able to use their compensation to cover medical expenses and in some cases, compensate for lost wages.
Workers Compensation Non-Subscribers
Without worker’s compensation insurance, the process of receiving compensation after an injury is more complicated. If an employer is a non-subscriber, their employee will have to file a lawsuit against their employer to receive either partial or full compensation for their injuries. How much compensation an employee can receive is based on the strength of their case. In certain cases, the employer may try to settle out of court; you should always consult a work injury attorney before accepting a settlement.
When you are faced with a work-related injury, don’t face the court system alone. The personal injury attorneys at Hernandez Law Group, P.C. will help you gather evidence and build a strong case to help you get the compensation you deserve. Juan Hernandez is Texas Board Certified to practice personal injury law, which only 2% of Texas Attorneys are. We are proud to serve the hard-working individuals of Amarillo, Texas. Contact us today for a free consultation.