Employees of all kinds are susceptible to being injured on the job. For example, injuries could result from a fall off of a ladder, or carpal tunnel syndrome can arise from repetitive motions. Medical expenses can pile up quickly, and sometimes the pain from your injuries can be tremendous.
In Texas, if you have been injured on the job, your options for pursuing your claim for financial recovery is determined by whether your employer has elected to subscribe to a workers’ compensation insurance plan. Workers’ compensation insurance is a type of insurance that an employer may purchase in order to adequately pay you for your expenses and costs, and in an attempt to limit their liability, in the event that you are injured on the job. Thus, if your employer subscribes to workers’ compensation insurance, you will have to file a claim under that policy and receive any benefits available to you under the plan. In that circumstance, in most cases you cannot sue your employer for damages related to your injuries.
If your employer does not subscribe to a workers’ compensation insurance program, you may have a claim for damages against your employer for injuries you sustained on the job. Employers who do not participate are “non-subscribers”, and you will want to understand your situation and options to recover for your injuries and lost time from work.