Texas Business Workers’ Comp Non-Subscriber: What Does it Mean for You?

Every workplace in San Antonio offers its own unique set of risks for workers. Because of this, most companies in Texas carry some form of workers’ compensation coverage in place to provide financial relief for employees who sustain damage or injury in an accident in the workplace.

Workers’ compensation policies typically cover the costs of recovery so workers are able to make a full recovery after an accident. Financial areas covered by workers’ compensation typically include:

• Hospital bills
• Medication costs
• Loss of wages

Texas is one of the few states that actually does not require employers to provide workers’ comp for all its workers. Because of this, companies have the freedom to make their own decisions about how they handle occupational injury coverage.

These companies are called Texas business workers’ comp ‘non-subscribers’. What does it mean for you? The answer depends on your individual coverage and your company’s policy.

Texas companies have two basic options when it comes to occupational injury benefit coverage:

1. State workers’ compensation system
   • Subscribers to Texas’ state program usually cover damages such as:
     • Medical care coverage
     • Payment for medical treatment
     • Pain & suffering / emotional distress
2. Provide separate and independent benefit coverage
   • This option refers to a business’ ability to ‘opt out’ of the state workers’ compensation system, and can instead provide their own workplace injury policy and coverage

After involvement in an incident of occupational injury, knowing whether your employer has subscribed to the state regulated compensation program or not is a crucial step in your financial recovery. At that point, a personal injury attorney or workers’ compensation lawyer will be able to help you understand the options available to you.

If you live in San Antonio and you are seeking reparations for any type of damage or loss sustained in a workplace accident, it can quickly become a confusing legal predicament. And especially if you are employed at a company classified as a Texas business workers’ comp non-subscriber.

It is important to understand that ‘non-subscribing’ is not the same thing as ‘going bare,’ or leaving workers without any form of coverage. The only real differences between subscribing companies and self-subscribing companies relates to the particular coverages which are allowed and the available amounts for coverage.

Non-subscription businesses can actually generate significant financial savings without losing coverage quality. This money can in turn be used to improve the workplace in other ways, enhancing the experience of employees and clients. Overall, though, these differences are small, and some non-subscriber companies actually provide a better situation for their workers. Some of the largest and most profitable companies in Texas have taken this route, and many of these companies actually end up providing even better coverage than the state system.

After a workplace accident, many workers have the same questions. Where do I go from here? Is there a work accident attorney near me? For answers to all these questions, enlisting the services of a San Antonio work injury lawyer is your best bet to guarantee you make a full recovery. That’s where Carabin Shaw comes in.

To learn more about filing a successful workers’ comp claim, contact the San Antonio work accident lawyers from Carabin Shaw today. The Carabin Shaw work accident lawyers in San Antonio have the knowledge and experience to help you through your case and help you obtain the maximum compensation you deserve.

One of our San Antonio workers’ compensation lawyers will sit down with you in the form of an initial free consultation, even if you do not choose us to represent you. Contact the lawyers from Carabin Shaw today at our San Antonio office of the attorney, 210-222-2288, or toll free, day or night, at 800-862-1260.