Were you injured on the job? If you’re like a lot of people, you
are concerned about who will be paying your medical bills, or if you don’t
have insurance you could be worried about “how” they are going
to get paid.
Beyond the immediate medical bills, it’s important that you have
access to funds so you can pay your rent or mortgage, your car and insurance
payments, and all of your other monthly obligations.
If you work for a government entity, then your injuries are more than likely
covered by your employer’s workers’ compensation insurance
– and that’s consoling. But, if you are in construction, or
if you work for a private employer, there’s a chance that your employer
doesn’t have workers’ comp, here’s why.
Workers’ Comp Insurance Isn’t Always Mandatory
In Texas, workers’ compensation is a state-regulated insurance program
that provides medical and cash benefits to employees who sustain a work-related
injury or illness. While many states require that virtually every employee
is covered, in Texas there’s a catch.
Texas doesn’t require that private employers carry workers’
compensation coverage for their employees. Since employers are expected
to notify their employees if they don’t have workers’ compensation
insurance, there’s a good chance that you have already been informed.
If Your Employer Has Workers’ Compensation
If your employer does have
workers’ compensation insurance, you must report your injury to your employer within 30 days
from the date of the accident, or from the date that you found out that
your injury or illness was job-related.
If you fail to notify your employer within 30 days, valuable benefits could be lost.
If Your Employer Doesn’t Have Workers’ Compensation
If your employer
does not have workers’ compensation insurance, it doesn’t mean that
you don’t have rights. There are other ways to pursue compensation;
for example, in a
personal injury claim.
Each workplace accident is unique, and how and where we pursue compensation
will depend on the facts of the case. For example, if you were injured
while driving a vehicle for you job, we may be able to file a
car accident claim.
On the other hand, if you were injured in a
construction accident, we may be able to file a claim against a subcontractor, the manufacturer
of defective machinery, or against the property owner’s insurance company.
Our point is, if you were injured, there is a very good chance that you
are entitled to compensation, regardless if your employer has workers’
compensation insurance or not.
Let us help you flex your rights and get the compensation you need to recover
and take care of your family.
Contact The Zendeh Del Law Firm, PLLC today to schedule a consultation with a
Plano personal injury attorney!