Texas employers may voluntarily opt out of workers’ compensation by purchasing insurance from a private insurance company, self-insure if they meet specific requirements, or group together with other private employers to self-insure through the Texas Department of Insurance.
Even if your employer tells you they have insurance, it pays to find out if they are a non-subscriber and speak to a Houston work injury lawyer before you sign any documents other than the required accident reports.
Some employers who are non-subscribers invest in insurance policies that offer better benefits than the state limits, and which are designed to protect your employer from claims by taking better care of their injured workers than the law requires. These insurance providers claim to offer employees access to better medical care earlier and a faster return to work with fewer disputes.
However, these programs often fall short of these lofty goals and leave individuals to accept the treatment offered or decide to work with a workplace injury lawyer in Houston to defend their rights to full and fair compensation for their injuries. Choosing an experienced work injury law firm in Houston, TX that can advocate for you or a loved one will provide the help you need and deserve in this time of crisis.