If you were injured at work, you may have questions about your safety, medical care, lost income, and whether your employer carries workers’ compensation insurance. Not every Texas employer provides workers’ comp coverage, and understanding your rights is essential. At Armstrong Lee & Baker LLP, we help injured workers determine if their employer is a non-subscriber and pursue full compensation for workplace injuries.
Below are answers to the most common questions we receive from workers injured while employed by non-subscriber employers.
The value of your claim depends on various factors, including the severity of your injuries, medical expenses, lost wages, and long-term impacts. For instance, our firm secured a $6,000,000 settlement for a client who suffered internal organ injuries due to inadequate forklift training. We offer a free consultation to evaluate your case’s potential value.
Your immediate steps are crucial:
Our team is ready to guide you through these steps to ensure your case is handled effectively.
Some employers in Texas are non-subscribers, meaning they do not carry workers’ compensation insurance. To find out, ask your employer directly or check the Texas Department of Insurance, Division of Workers’ Compensation website, which maintains a list of insured employers. Armstrong Lee & Baker LLP can help you determine your employer’s status and explain your options if they do not carry insurance.
If your employer is a non-subscriber, you still have the right to pursue compensation for workplace injuries. You may be able to file a personal injury lawsuit to recover damages for medical bills, lost wages, pain and suffering, and permanent disability. Non-subscriber employees have the right to seek full recovery from negligent employers, even without workers’ compensation coverage.
Any injury caused by unsafe working conditions or employer negligence may form the basis of a claim. This includes fractures, burns, back and neck injuries, chemical exposure, or repetitive stress injuries. Armstrong Lee & Baker LLP evaluates all injuries thoroughly to ensure that your medical needs and financial losses—both present and future—are considered in your case.
Yes. Since non-subscriber employers do not provide insurance networks, you can seek care from any qualified medical professional. It’s important to document all treatment, follow your doctor’s recommendations, and keep detailed records. Our attorneys help clients maintain accurate medical records to support full compensation claims.
Negligence may involve unsafe working conditions, inadequate training, faulty equipment, or failure to follow safety protocols. Documenting your work environment, taking photos, and gathering witness statements can strengthen your case. Armstrong Lee & Baker LLP conducts thorough investigations, gathers evidence, and consults experts to build a strong case on your behalf.
Lost wages are calculated based on your actual earnings at the time of the injury, including overtime and benefits. Unlike workers’ compensation, non-subscriber claims can recover full income lost due to the injury, including future earning capacity. Our attorneys make sure all financial impacts of your injury are properly accounted for.
Permanent injuries may entitle you to additional compensation for long-term effects, such as reduced earning capacity, ongoing medical care, and lifestyle adjustments. Non-subscriber claims allow injured workers to pursue full recovery for permanent disability. Armstrong Lee & Baker LLP works with medical and vocational experts to assess long-term impacts and maximize damages.
Personal injury lawsuits against non-subscriber employers in Texas generally must be filed within two years from the date of the accident. Occupational illnesses may have different deadlines. Acting promptly is critical to protect your rights and preserve evidence. Armstrong Lee & Baker LLP ensures all deadlines are met while building a strong case.
Yes. Non-subscriber claims can be complex, and employers often defend aggressively against lawsuits. An experienced attorney can preserve evidence, gather expert testimony, negotiate effectively, and fight in court if necessary. Armstrong Lee & Baker LLP advocates for injured workers to ensure they receive full compensation for medical costs, lost wages, and long-term impacts.
This page has been written, edited, and reviewed by a team of lawyers following our comprehensive editorial guidelines. Our lawyers have more than 20 years of legal experience as personal injury attorneys.
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