Texas is one of only two states not requiring companies to subscribe to state-regulated workers’ compensation insurance. This means employers may not have to pay for medical bills, disability income benefits, burial expenses, or death benefits for injuries when an employee is hurt on the job. According to the Texas Department of Insurance, nearly 44% of Texas employers do not subscribe to workers’ compensation. While all industries have nonsubscribers, the largest percentage of employees working for a nonsubscriber is in the wholesale and retail industry.
For large employers, there are a variety of reasons to elect out of subscribing to workers’ compensation, but the most common reason is to reduce cost. Some businesses believe the cost of subscribing to workers’ compensation is much greater than the benefit it provides their employees.
The Top 16 Nonsubscribers in Texas Are:
- Academy Sports and Outdoors
- Best Buy
- Big Lots
- Home Depot
- Whole Foods
Just because employers are workers’ compensation nonsubscribers in Texas does not mean employees lose their rights under the law. Employers must provide safe workplaces for employees. The Occupational Safety and Health Administration (OSHA) sets strict safety guidelines all employers must abide by. This includes providing the appropriate safety equipment and training for all employees.
Injuries Under Workers’ Compensation Nonsubscribers in Texas
The workers’ compensation system provides guidelines and procedures for injured employees to obtain compensation. However, for employees injured on the job while working for workers’ compensation nonsubscribers in Texas, the process is not so straightforward. In most cases, the only way to obtain compensation is by filing a personal injury lawsuit against the employer. While this might seem like a daunting task, every employee has the right to an attorney.
Houston Workplace Accident Attorneys
Houston workplace accident lawyer Richard J. Plezia will work to make sure your rights are protected. Let our workplace accident attorneys handle the communication with your company, the insurance adjusters, and the accident investigators. Contact us today to hear how Richard J. Plezia & Associates can offer you help after a workplace injury. Our consultations are free and you owe us nothing unless we help you recover compensation. Call us today at 713-800-1151.