Answering All Your Personal Injury, Social Security Disability, and Bankruptcy Questions
When a catastrophic event puts your future at risk, anxiety and uncertainty will cause you to have a million questions. What can you do? How can you provide for your family? Will you recover?
Allow the extensive experience and knowledge of the Packard Law Firm put your worries to rest. Come learn the answers to your questions and see how we can help pull you out of the depths of uncertainty.
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How much is my non-subscriber case worth?
Many injury victims want to know how much they could be awarded if they file a non-subscriber claim against their employer. Unlike employees who are covered by worker’s compensation, there is no set amount of damages that Texas employees who are not covered by these benefits may receive. That said, there are a few ways to estimate the possible award in a non-subscriber case.
Determining the Value of a Texas Non-Subscriber Case
The most important thing to remember in your injury claim is that you are looking for compensation for the way your accident has affected you. Injuries can have very different effects on different people, and even so-called “minor” injuries can result in high medical bills and weeks off of work. The first step in estimating your potential damages is to total all of your expenses and losses, including:
- Medical bills. Your case should take into consideration how much you have paid for medical treatment, including emergency room costs, x-rays and scans, prescription medications, follow-up appointments, co-pays, physical therapy, and any other costs you paid out-of-pocket.
- Lost income. You should add up your lost wages for the total time you were unable to work due to your injury, including any overtime opportunities, bonuses, and other benefits you were not eligible for.
- Disability. You should calculate the value of any limitations that have resulted from your injury, such as those that prevent you from working in your old job, make it more difficult to live independently, or have full enjoyment of your life.
- Future costs. You must consider whether your injury could cause you to incur any expenses in the future, such as additional surgeries or replacements for wheelchairs, braces, or assistive devices.
- Pain and suffering. Victims may be able to get additional payments depending on the amount of physical and mental anguish they have endured.
Things That Can Affect the Value of a Non-Subscriber Case
After your losses has been totaled, you should carefully examine the factors that can add or subtract from your damages. While every case is different, each one will involve potential losses or additions based on the facts of the case.
Some things that can alter the amount of your damages include:
- Fault. The employer must be at least 51% to blame for causing the injury in order to owe an employee compensation. As Texas has a comparative fault system, a victim’s award will be reduced by the percentage of fault he owes for the injury. For example, if you are found 30% responsible, the overall award will be reduced by 30%. There are also a few employer defenses in a non-subscriber case that may completely bar the employee from compensation, such as hurting himself on purpose or as a result of intoxication. In order to get compensation, you must not be more than 50% responsible for the injury you sustained.
- Negotiation. Your employer’s attorney will likely make a settlement offer throughout the course of your case, and it is up to you whether you will accept. The amount offered will depend on how much the other attorney thinks a jury could award you if the case goes to trial. These offers are typically lower than the case is worth, but should at least cover medical and out-of-pocket expenses. Your own attorney can help you decide if the amount offered is fair compensation.
- The jury. Juries in non-subscriber cases have the final call on how much compensation you should get for your losses. It is nearly impossible to determine how each person in a jury will respond to your accident, so you should be able to trust your attorney to plead your case effectively.
- Punitive damages. If the employer demonstrated gross negligence or the employee died as a result of his injuries, you may be awarded punitive damages as a way of punishing the employer.
If your work injury prevents you from earning a living, our attorneys can fight on your behalf. Contact the Packard Law Firm today to set up your free, confidential consultation to find out how much your non-subscriber claim could be worth.
What impact will a car wreck case have on your Social Security benefits?
Imagine you have waited so long to win your Social Security disability case, and then are involved in a car accident. What kind of impact will a car wreck case have on your monthly Social Security benefits when the auto accident case is solved?
Generally, most types of Social Security cases will not be affected. But, some will be. In Social Security cases where benefits could be affected by resolving your injury case, there are things you can do to keep the sum of the settlement and your monthly Social Security income benefits.
- Special Needs Trust : A special needs trust can be established. This option is complicated and you need a lawyer who specializes in this area of law. Basically, it allows you to save money and have it administered by a trustee. This money can be used to pay for most living necessities other than food, rent or clothing. If you use it that way, money that is separated by the trust will not affect your Social Security benefits.
- Assign the money to other people: Often there is not enough money to cover or all the medical expenses and people involved in the accident. In these types of cases, you can allocate the money among those people in a way that reduces the impact on your Social Security case.
- Use the money: Money will affect Social Security benefits if you have more than $ 2,000. You can spend the money that comes from the accident in normal household expenses. And once the money runs out, it will not have an impact on Social Security benefits will not be affected.
If you have been involved in a car accident, and are receiving Social Security benefits, the law is very complex. We can help you. Call us today at 210-340-8877 and set up your free consultation.
When can you sue your employer for an on-the-job injury in Texas?
As you may be aware, Texas employers are not required to purchase workers’ compensation insurance to provide benefits to injured employees. If an employee suffers an injury on the job is not covered by workers’ compensation, then the worker has a right to file a lawsuit against the employer to get fair payment for his injuries. But what many workers do not know is that this is only one instance in which an employee has the right to sue his employer.
When Employers May Be Named in a Texas Injury Lawsuit
Failure to provide workers’ compensation benefits is a good reason to sue an employer, but there are also additional situations where the company you work for is liable for damages, including:
- Intentional harm. Employees have the right to sue employers whose conduct caused direct and intentional harm. In these cases, employees must show that the employer was trying to hurt the worker on purpose, such as if an employer assaults a worker or trips him at the top of a flight of stairs.
- Defective product injuries. If a worker is injured by tools, machinery, or other equipment in the workplace, he or she can file a lawsuit against the employer or the manufacturer of the object that caused harm. Employers and manufacturer could both be liable if the risks of using the equipment were not minimized, if the equipment failed to work properly, or if employees were not properly warned of the danger of injury.
- Toxic substance injuries. Employees who work around dangerous chemicals or toxic substances are at high risk of developing severe medical conditions. Compounds such as silica, asbestos, benzene, radium, or chromium have all resulted in illnesses that have formed the basis of toxic tort lawsuits. Toxic injuries may happen suddenly (such as a chemical burn or eye injury), but they can also take years of exposure before symptoms appear (such as asbestos-related cancers). Workers may sue an employer who was aware of the potential side effects of toxic exposure, and they may also sue the manufacturer or distributor of the harmful product.
- Third party injuries. Employees may be able to name multiple parties in a personal injury lawsuit, especially if each party played a role in the injury. There are many people on a job site who may be responsible for a worker’s injuries, including engineers, contractors, project managers, architects, drivers, or other non-employer entities.
How to Determine Who Is Responsible for the Costs of an On-the-Job Injury
In order to file a successful Texas work injury or wrongful death claim, you will have to be able to show that the party named in your suit is directly responsible for the harm you have suffered. This is done by demonstrating negligence. The person who should be named in an injury lawsuit is the person whose negligence most contributed to the accident, injuries, or suffering.
In order to demonstrate negligence, a person must show that the person accused of negligence:
- Owed the injured worker a duty of care
- Failed in the performance of that duty of care
- Performed an action or inaction that directly caused injury or harm
When workers are covered by workers’ compensation, they do not have to prove that the employer was negligent in order to get payment for their injuries. While employees outside of this benefits system do have a burden of proof, they are also able to collect additional forms of damages if their case is successful. For example, people who win work injury cases may collect payment for permanent disability, lost future income, lost companionship of a deceased worker, and pain and suffering—all of which are not provided to those covered under the workers' compensation system.
If you suffered a work injury that prevents you from earning a living, our attorneys can fight on your behalf, getting you the compensation you deserve for your medical bills, lost wages, and more. Contact the Packard Law Firm today to set up your free, confidential consultation find out how much your work injury claim could be worth.
Are there any defenses Texas employers are not allowed to use in a non-subscriber case?
The decision not to enroll in workers’ compensation places certain limits on an employer if an employee files an injury lawsuit. One of the biggest benefits to employees in these cases is that they have a lower burden of proof, and another advantage is that employers are forbidden from using certain defenses against an employee.
Defenses Employers Cannot Use in a Non-Subscriber Injury Case
Under the Texas Labor code, there are several defenses available to non-subscriber employers who are sued after a work injury. However, this law also protects workers by forbidding employers from using certain defenses that would otherwise be allowed in injury cases, including:
- Contributory negligence. Most personal injury cases allow victims to recover lower damages, or even no damages at all, if they are found to be partially liable for the injuries they suffered. However, non-subscriber employers are not allowed to use an employee’s fault against him. It doesn’t matter if the employee is 99% to blame for the accident, if the employer is 1% liable for the injury, the employer is liable for the full costs of the injury.
- Assumption of risk. Many jobs and career paths in Texas are inherently dangerous, carrying an above-average risk of injury. In some injury cases, employees are said to “assume the risk” of dangerous activities, such as acknowledging that construction work at heights or near heavy machinery is dangerous, and any injuries that result cannot be blamed on the employer. This protection is removed from non-subscribing employers.
- Coworker negligence. When an injury is caused by the actions or negligence of a coworker, an employer may avoid liability by encouraging the victim to sue the coworker instead of the company. This defense, also known as the fellow servant doctrine, can no longer be used by non-subscriber employers.
- Pre-injury waivers. People are often asked to sign waivers before engaging in activities that can cause injury or death, such as skiing or skydiving. These waivers are a contract stating that the person signing will not sue the company if they are injured, since they realize there is a risk of injury. Some employers may attempt to protect themselves from liability by making employees sign waivers when they are hired, even before an injury has occurred. While these may be binding in other cases, pre-injury waivers are not admissible in cases against non-subscriber employers.
Even if your injury involved one of these defenses—if a coworker caused your injury, or if you acknowledged that there was a risk of danger in your work—it does not affect liability. In other words, if any of these statements are true, the employer is still responsible for covering the costs of the injury and any other costs due to negligence.
Why Does Texas Law Prevent Employers From Using These Defenses?
Texas lawmakers want to encourage companies to do business in the state, and making workers’ compensation an option rather than a mandatory law can attract employers. However, they also know that it is important to offer worker protections, since injuries can lead to higher unemployment and increased lawsuits. By making it harder for companies who opt out of workers’ compensation programs to escape responsibility, the state is essentially saying that companies who do not participate in the workers’ compensation system are on the hook for any injury costs they incur—and these costs can be in the millions of dollars. It is up to each company to weigh the risks: either pay a smaller amount and purchase workers’ compensation insurance, or risk paying much more after an injury occurs.
Unfortunately, employers who fail to purchase workers’ compensation insurance have a vested interest in defeating non-subscriber claims. These companies will have their own corporate lawyers who work to discredit victims almost immediately after an injury occurs. Our work injury attorneys even the playing field, fighting on your behalf while you take the time you need to heal. Contact the Packard Law Firm today to set up your free, confidential consultation find out how much your non-subscriber claim could be worth.
How does a pre-existing condition affect my Texas non-subscriber case?
If you are filing a lawsuit against a Texas employer who did not subscribe to workers’ compensation, you should expect the employer to defend the company’s interests. While companies can fight against the charges an employee levels against them, they are limited to a handful of defense arguments in a non-subscriber case. One of these is the “pre-existing injury” defense, which claims that the employee’s injury occurred or was made worse by something that happened earlier in the employee’s life.
When Can an Employer Use the Pre-Existing Injury Defense?
The costs of emergency care and ongoing medical treatment make up a large portion of the damages in Texas non-subscriber work injury lawsuits. If the injury has left the victim permanently incapacitated, the employer can also be on the hook for disability and loss of future income payments. As they have relatively few defenses available to them, the employer’s legal team can claim the pre-existing injury defense in any case, and can even make the claim when they have little to no evidence of a prior injury.
The goal of this defense is to attack the victim’s:
- Right to fair compensation. If the employer can convince the jury that the employee’s injury existed before the accident, the employer can escape liability for all costs associated with the injury. Evidence of this can range from you calling in sick after an accident at home to a coworker’s knowledge of your past injuries.
- Monetary award. Even if an employer expects to lose the case, the company may be able to reduce the award by suggesting that a pre-existing injury contributed to your overall suffering. This is technically not allowed, as Texas employs the “thin skull” rule in injury cases, which states that a company must take the employee in the state that it finds him. Simply put, a person cannot receive lower compensation because he or she is more prone to an injury than others. Unfortunately, the suggestion of a pre-existing condition does have the potential to influence the jury when it comes time to assign a dollar value to the case.
- Credibility. If the defense finds out that you injured the same part of your body years earlier and you failed to inform your employer, the employer can attack your credibility. By omitting the truth about your injury, the court may presume that you were trying to get compensation under false pretenses, and your case is likely to fall apart. Even if you did suffer an injury years earlier, it is always best to inform your attorney to allow him or her to prepare for the day it is addressed in front of the judge.
Does a Pre-Existing Injury Automatically Disqualify Me From Compensation?
A previous injury does not bar an employee from seeking compensation. However, these cases must be handled delicately in order for the victim to have the best chance of success in court. It is best to work under the assumption that the defense knows everything you do and won’t hesitate to use anything that could discredit you. First, you must give your attorney all information necessary about the prior injury, including dates, prognoses, and medical records. This will allow your attorney to prepare a rebuttal to any claim about your condition that the defense might make.
One of the ways these claims may be rebutted is by questioning the impact and relevance of the prior injury. If you suffered a broken wrist in a car accident years earlier and are looking for compensation for carpal tunnel syndrome, your attorney should be able to provide x-rays, medical evidence, and doctor’s testimony about the likely bearing of the old injury onto the new one. These cases typically involve qualified experts, including medical practitioners and accident reconstructionists, who can take the jury point-by-point through the effects of both prior and current injuries.
Whether your employer has a valid reason to make this defense or not, you will need an experienced non-subscriber injury attorney to guide you through your case. To find out how much your claim could be worth, contact the Packard Law Firm today to speak with an attorney in your free, confidential, and no-obligation consultation.
Why would a company lie about having workers’ compensation insurance in Texas?
Texas is the only state in the U.S. where workers’ compensation coverage is not mandatory for employers. The biggest reasons companies choose not to provide state-regulated insurance is that the program is expensive and it provides a lot of protection to the employee. Under workers' compensation, employees are guaranteed to receive payment for lost income and injury-related medical bills when they suffer a work-related injury or illness.
Your Company’s Insurance Policy May Not Be Equal to Workers’ Compensation
Millions of Texas employees are covered under their company’s privately-insured injury policy instead of workers’ compensation. Although these employers are still considered “non-subscribers” to federal workers’ compensation, they do allow injured workers to collect some benefits after an illness or accident on the job. However, these alternative policies typically offer less protection to the employees.
Companies may benefit by offering alternative coverage plans because:
- Workers do not know that their “workers’ comp” is actually an alternative policy. Employers who provide workers' compensation have limited liability if an employee files an injury claim, so this can be another good reason why an employer would lead a worker to believe that the company has workers’ compensation insurance. A company can provide limited injury benefits under an alternative policy and refer to the payments as “workers’ comp,” telling the worker that he cannot sue if he accepts the payment.
- These policies may be limited. Unlike federal coverage where all injury-related expenses must be covered, private insurers can impose both dollar and time limits on their policies. If the employer does not want to pay out of pocket after a claim’s coverage limit has been reached, the employer may simply stop benefits.
- They are not government-regulated. The policies and coverage provided through workers’ compensation have clear regulations set forth by lawmakers. Private insurance is not licensed or regulated by a governing body, making it less likely that the employee will be protected.
- The employers can set their own rules. There are many ways employers can make it as difficult as possible for employees to qualify for benefits through private policies, including requiring mandatory injury reporting within 24 hours of an accident or requiring a supervisor to attend an employee’s doctors’ visits.
- There are no disability or death benefit requirements. Workers’ comp offers the possibility of lifetime benefits after a permanent disability, as well as death benefits if an employee is killed on the job. Private insurance does not offer any such guarantees.
- There are no job protection requirements. Workers’ compensation law includes a provision to prevent retaliation or termination of an employee who seeks job-related injury compensation, while non-subscribing employers are free to demote or employees at will.
Can a Texas Company Offer No Benefits and No Workers’ Compensation Insurance?
Yes. Any company that does not subscribe to workers' compensation insurance can be considered a non-subscriber, even if the company does offer alternative benefits. Under the law, a worker can file a lawsuit against a non-subscriber to recover the full amount of his or her injury costs, plus any additional amounts for pain and suffering or permanent disability—even if they received some benefits under an alternative insurance plan. As an added benefit, any employer who fails to provide federal workers' compensation can be liable for the full amount of damages if the company is found to be just one percent at fault for the injury.
Not only can an employer be forced to pay damages to an employee, the employer can also be required to pay federal penalties for negligence. Texas employers who do not carry workers' compensation coverage are required to communicate their non-coverage status to their workers, and they are required to report any work-related injuries that result in more than one day of lost time to the Division of Workers' Compensation (DWC). If these requirements are not met, employers can be subject to administrative fines and fees, causing the loss of even more of their profits.
The costs to an employer for failing to provide proper benefits can quickly add up, resulting in the loss of hundreds of thousands of dollars in many cases. To find out how much your non-subscriber claim could be worth, contact the Packard Law Firm today to speak with a work injury attorney in your free, confidential, and no-obligation consultation.
What should I consider before filing a non-subscriber claim against my employer?
While Texas employers are not required to provide workers’ compensation benefits to employees, there are still ways to get compensation when an employee is injured on the job. Companies that do not carry workers’ compensation insurance are called "non-subscribers," and in a non-subscriber work injury claim, an employee has the right to sue his or her employer. In some cases, non-subscriber claims can be even more valuable than standard workers’ compensation claims, since employees covered by workers’ comp are barred from suing their employers for additional damages.
Factors to Consider Before Filing a Non-Subscriber Lawsuit Against an Employer
If your non-subscriber case is valid, you may be able to recover a significant amount for past medical bills, lost wages, future disability, and pain and suffering. However, you should ask an attorney to look over the details of your case to see if there are any potential weaknesses that could affect the outcome of your claim. Generally speaking, whether or not you should file a non-subscriber case will depend on your employer’s:
- Insurance benefits. Some employers who do not offer workers’ compensation will carry an alternate benefit plan to pay for employee injuries. If the benefits you receive through your employer’s insurance are adequate to cover your injury costs, you may not need to pursue a further non-subscriber claim. It is worth noting that these plans can differ greatly from the state mandated workers’ compensation, offering only the benefits that the employer has chosen. As these plans are also under the total control of the employer, they may offer limited payments and fail to provide employee protections (such as protection from retaliation or demotion) that are standard under workers’ compensation.
- Evidence of your injuries. Your employer will likely attempt to defend against any claim you make using your own medical records. You should always tell the truth about the injuries you have suffered, the treatment you have undergone, and the medical bills you have paid. If your injury has caused permanent disabilities that can prevent you from earning as much as you have previously, or stop you from participating fully in the things you enjoy, a non-subscriber case may be your only chance at fair compensation for your losses.
- Case against you. One of the benefits in non-subscriber cases is that the employer loses the right to certain defenses, such as blaming the worker for causing the accident. The employee only has to prove that the company was one percent at fault for the accident in order to be liable for damages. However, your actions during and after the accident can affect the amount of compensation you receive. If you were not taking recommended safety precautions prior to the accident or failed to go to the emergency room to treat your injury, a judge might assume that you were not doing everything possible to protect your own health.
- Illegal practices. A judge is likely to look unfavorably on an employer who put his employees at risk or willfully broke the law. Proof of inadequate safety measures, illegal company policies, failure to post a notice about the employer’s workers’ comp status, and other negligent activities can strengthen an employee’s case.
- Contractors. Sometimes, an injured worker’s claim can be paid through someone other than the employer. Such "third-party" claims are typically filed against a person or company that worked on the same site as the employer or provided equipment used in the workplace. Builders, supervisors, painters, training providers, security firms, or even makers of uniforms and safety equipment can all be named in a third-party work injury claim.
The easiest way to tell how much you could be owed in your non-subscriber claim is to speak with a work injury attorney as soon as possible. Contact the Packard Law Firm today to discuss your case in your free, confidential, and no-obligation consultation.
What Is The Lawsuit Deadline For Injuries To Minors and Children?
Children cannot bring suit in their own name until they become an adult. Parents and certain other adults can bring suit on behalf of a minor child, but they do not always do so. What happens if the adults do not protect the child’s case? The Texas Constitution protects children in this circumstance and by preventing the statute of limitations from starting until the child turns 18 years old. For example, if a 10-year old girl is injured in an accident and nobody files suit to protect her rights, she has until two years after her 18th birthday to file suit.
What happens if your doctor commits malpractice over a period of time?
It can be hard to determine when the statute of limitations begins if a doctor commits malpractice over a long period of time.
When you are dealing with a car wreck, it is easy to know when the statute of limitations begins to run – the date of the wreck. However, in the context of medical negligence, sometimes it is hard to know when the statute of limitations begins to run. Suppose you go to the doctor for a number of years and each time, he misses a cancer diagnosis, or suppose your mother is in a nursing home and the doctors and staff neglect her for many months? In these cases, the safest thing to do is to file suit within two years of the first mistake, but if that is not possible, courts have held that the statute of limitations is kept open until a reasonable time after the last date of treatment.
Other Types of Legal Deadlines:
What is the Statute of Limitations When the Negligence Causes Death?
In some cases, a person is injured in an accident and then dies from his injuries some time latter. When this happens, when does the 2-years start to run – on the date of the injury or on the date of the death? The answer is both! For the family members who are asserting wrongful death claim, their statute of limitations begins not when their loved one was injured, but at the death. However, if the deceased suffered pain and suffering before death and incurred medical bills because of the injury, then the estate also has a claim, and the statute of limitations for that case starts to run from the date of the injury, not the date of death. (Click here for the leading case on this issue. Russell v. Ingersoll-Rand Co., 841 S.W.2d 343, 348 (Tex.1992).
Please also note that there is an exception when dealing with medical negligence cases. The statute of limitations begins to run when the injury occurs regardless of when the death occurs. Thus, a wrongful death plaintiff suing on a medical negligence theory does not necessarily have two full years from the time of death to bring a lawsuit. Rather, the statute of limitations expires at the same time it would have for the decedent – two years after the alleged negligence occurred.