Employees impacted by a workplace injury or illness often find themselves concerned about the future, including their ability to continue working, recover lost wages, and pay for unexpected medical expenses.
If you were injured while performing duties within the scope of your employment, you might have a right to take legal action to pursue financial recovery.
Unlike most other states, Texas does not require private-sector employers to participate in the workers’ compensation system. An employer who does not participate in the state workers’ comp system is referred to as a Texas non-subscriber.
A non-subscriber has the option to purchase private insurance for workplace injuries, and though it does not work exactly the same as workers’ compensation, it does give you the option of seeking an insurance settlement.
There are several companies that provide this type of coverage. If you are seeking a fair CorVel workers’ injury settlement or a settlement from another insurance company, it is important to understand your rights.
CorVel Corporation Work Injury Claim
CorVel is a publicly traded third-party administrator that offers a variety of benefit services to employers. They also manage claims for Texas non-subscriber employers.
The company uses a proprietary claims system that helps reduce the amount employers pay out in workplace injury claims and encourages employees to get back to work faster.
As an employee, your interests are not necessarily aligned with those of CorVel Corporation, which is why seeking counsel from an experienced attorney who understands the CorVel workers’ compensation settlement process is the best way to receive the compensation you deserve.
How to Receive a Fair CorVel Workers’ Comp Settlement
After you have been injured, it is important to report the injury to your employer as soon as possible. Note who was there to witness the accident and any other important information that proves what happened. Photos are also helpful. This will help your attorney conduct an independent investigation to help determine liability.
It is important that you refrain from admitting or implying fault to your employer or the insurance company. There is no reason to lie, but you do not have to volunteer information, and you should not do so without consulting an attorney.
Anything you say to your employer, co-workers, the insurance company, or anyone else can impact your CorVel work injury settlement.
Liability for Workplace Injuries
In order to have a valid claim, you must be able to prove that your employer acted with some degree of negligence, which contributed to your injuries.
Accidents happen, and if you are partially at fault, you might still be legally entitled to receive compensation from a CorVel work injury settlement. Even if your employer is only 1% liable for your injuries, they would still be required to pay 100% of your damages.
It is in the best interest of the insurance company to hold you completely responsible for the injury. That means you will likely need to defend yourself against such accusations.
Companies like CorVel are experienced in settlement negotiations, legal actions, and building claims that are favorable to their client. You do not want to take them on alone.
Injuries Covered by Texas Non-Subscriber Claims
Serious or severe workplace injuries are often covered by companies that have elected to have non-subscriber insurance rather than workers’ compensation. Some damages that might be covered include:
- Medical expenses and ongoing treatment;
- Compensation for lost wages due to time away from work, and
- Restitution for pain and emotional distress.
The amount and type of coverage will depend on the plan your employer has chosen. You do not have to accept a settlement that is for less than what your claim is worth, which is why it is important to understand the value of your injuries and what you have endured.
Contact a Workplace Injury Lawyer Today
The team at Armstrong Lee & Baker LLP understands how frustrating the non-subscriber claims process can be. We are here to help you every step of the way, from determining the value of your claim and proving liability to negotiating for a fair settlement and preparing for litigation if one cannot be reached.
We want to help you get back to work, but on your terms, and with all the necessary financial, physical, and emotional resources you need to heal.
We have helped our clients obtain millions for their personal injury claims, and we know what it takes to succeed at the negotiating table and in the courtroom. Contact us to schedule a free consultation with one of our attorneys.