Most injured workers have never heard of Texas nonsubscriber attorneys. That’s not a common term, and it doesn’t make any sense unless you already know exactly what that means. I’ve never seen a billboard or a TV commercial advertising for nonsubscriber lawyers. And I can assure you that it doesn’t refer to lawyers who have canceled their newspaper subscription! Whether or not a company is a nonsubscriber depends on what type of insurance the company buys.
What Is A Texas Nonsubscriber Attorney?
Texas nonsubscriber attorneys for injured workers are lawyers that represent people who got hurt at work and their employer does not have workers’ compensation insurance. Texas has historically been the only state where employers can opt-out of the workers’ compensation system. Companies that opt-out might offer an alternative to real workers’ compensation insurance (fake workers’ comp), or they might not have any insurance at all, leaving their injured workers to fend for themselves.
Fake Workers’ Comp Insurance
Lots of companies in Texas tell their employees that they have workers’ comp, but it’s not the real thing. It’s fake workers’ comp. It is an insurance plan, but it is not a state-regulated plan. Injured workers do not get workers’ compensation benefits under these plans. Employers control these plans in a way that significantly limits the benefits available to an injured worker. Most employers with fake workers’ comp call it “the plan.” Injured workers’ might have to report injuries within 24 hours (instead of 30 days in real workers’ comp cases). Medical treatment is often limited to 6 months (instead of lifetime coverage in real workers’ comp cases). And, lost wages might not be available at all.
Companies That Do Not Have Workers’ Comp Insurance
Other companies that opt-out of the state-regulated workers’ compensation system don’t have any insurance at all. This means that when someone gets hurt at work, the employer does not cover any medical treatment, lost wages, pain and suffering or permanent impairment at all. Injured workers are often just kicked to the curb and replaced.
Why Does The Type Of Insurance Matter?
Companies that don’t have real workers’ compensation insurance take a big chance. The Texas workers’ compensation laws offer employers protection from lawsuits if they buy real workers’ compensation insurance. When employees get hurt at these companies, they are only able to get the benefits provided under the workers’ comp law. This same law punishes companies that don’t have real workers’ compensation insurance by allowing injured workers to sue them if the company’s negligence results in the employee’s injury.
What Does A Texas Nonsubscriber Attorney Get For You?
Texas nonsubscriber attorneys take action when these companies fail their employees. We hold these companies accountable when they get people hurt and don’t have insurance to provide adequate medical care and help with lost wages. Our lawyers get these workers the medical treatment they need, a recovery for lost wages, pain and suffering and permanent impairment. We can even pursue the future loss in wages resulting from the permanent effects of the injuries sustained.
The Texas nonsubscriber attorneys at MLF Legal have been handling work injury cases for over 25 years. We’ve seen the tricks that these companies play to get out of helping their employees that get hurt. We know how they try to hide the employment relationships behind vendors and sub-contractors and point the finger at everyone but themselves. That’s what sets us apart as Texas nonsubscriber attorneys: experience and know-how.
Call today for a free consultation. Don’t let these greedy companies that won’t even buy insurance take advantage of you or someone you love.
