Answering All Your Personal Injury and Social Security Disability
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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What happens if I am injured at work and my employer doesn’t have workers’ compensation insurance?
Texas is the only state in the nation that does not require employers to offer workers’ compensation insurance to employees. If an employee is injured on the job while working for a “non-subscriber,” the employee generally has two options for compensation: payment through an alternate benefit plan, or filing a non-subscriber work injury claim. Injured workers should consider these options carefully, since the amount they can get for an injury can vary widely depending on the method they choose.
Options for Compensation After a Texas Work Accident
Some employers choose to carry other forms of insurance that cover employee injuries, but these plans are very different from state-sanctioned workers’ compensation. They typically offer limited payments and do not provide the same guaranteed employee protections as workers’ compensation. Many such programs are also under the total control of the employer, meaning that the employer can require an injured worker to give a recorded statement, see the company’s own doctors, and relinquish the right to seek additional benefits once payment is made.
Non-subscribing employers are also under no obligation to pay for a worker’s lost wages. While the company may choose to pay injured employees a portion of his or her regular income, they are also allowed to choose the amount and the duration of these payments. If the payments are not enough to cover an employee’s costs, the employee may be unable to pay his or her bills, forcing workers to return to work before they are healed. As the compensation available through non-subscribing employers is often inadequate, Texas employees should always discuss non-subscriber claims with an attorney before accepting an employer’s benefits.
What it Takes to Win a Non-Subscriber Work Injury Lawsuit
While there is no guarantee of winning compensation in a non-subscriber case, there are many benefits to pursuing this kind of action. You can be awarded a sum for your lost wages, coverage for your medical costs, and any permanent losses due to a disability caused by the accident. In addition, employees can be granted additional sums for pain and suffering, which are not available to employees covered under workers’ compensation.
In order to get payment from a non-subscriber, your case will depend on:
- Employer negligence. The issue of fault in a non-subscriber claim is greatly in the employee’s favor. If an employee can prove that an employer was one percent to blame for the accident, the employer is responsible for all of the damages. This one percent could take the form of unsafe working conditions, failure to train employees, lack of safety equipment, failing to fix known issues, failing to inform employees of known risks, and other negligent practices.
- Your negligence. In these lawsuits, workers cannot be assigned negligence based on the assumption of some portion of natural risk, nor because the actions of a coworker contributed to the injury. The only way an employee can share legal responsibility for an accident is if he or she was intoxicated, or the employee intended to bring about the injury.
- Posting requirements. Employers who do not have insurance are required to post a notice about their workers’ comp status in a conspicuous location. Employers are prohibited from falsely representing an unapproved work injury insurance program as compliant with workers’ compensation laws. If the employer does not adhere to these laws, they could be subject to additional legal actions.
- Third-parties. An employee can file a third-party claim for compensation if someone other than the employer played a role in the injury. For example, an employee who was injured by a falling paint can could have a suit against a contracted painting company. If the employer knew that the painting company would be working during regular hours and failed to notify employees or provide additional safety, the employer could also be held liable for the accident.
- Fatal injury. Families of loved ones who are killed as a result of a work accident are entitled to file claims on the employee’s behalf. If an employer is found guilty of gross negligence leading to fatal injuries, the family of the worker could hold the company liable for their financial and emotional losses.
- Retaliation. Employers are allowed to terminate employees at any time under the “at will” doctrine. However, there is an exception for employees who have filed workers’ compensation claims or who are taking legal action after a work injury. Under Texas law, employer retaliation is illegal for all employers, whether they provide workers’ compensation insurance or not. If your employer attempted to retaliate against you, he could be held liable for additional damages.
The amount an injured worker could receive depends the circumstances of their case, the extent of their injuries, and their ability to earn a living in the future. Contact the Packard Law Firm today to speak to a work injury attorney in your free, confidential, and no-obligation consultation.
Does an employer have to carry workers’ compensation insurance in Texas?
The workers’ compensation insurance program was created as a faster and cheaper alternative to filing a lawsuit against an employer. Workers who are hurt on the job would agree not to sue an employer in return for medical care and a portion of their wages while they recover from an injury. However, Texas is the only state in the nation that does not require employers to carry workers’ compensation insurance, making recovery for medical bills and other out-of-pocket expenses much more complicated.
Types of Compensation After a Work Injury in Texas
In most cases, Texas workers have two options for filing work injury claims, and the method will depend on whether or not the employer carries workers’ compensation insurance. While it is not mandatory, many Texas companies choose to carry workers’ compensation insurance because it is less costly than defending work injury lawsuits.
Injured workers in Texas may collect payment for accidents at work through:
- Workers’ compensation. If the employer has subscribed to a workers’ compensation plan that has been approved by the State Department of Insurance, injured employees are required to file for injury payment through workers’ compensation. In most cases, these employees will not be able to sue the employer directly, but they will also receive automatic benefits up to the limits of coverage.
- Non-subscriber claims. If your employer does not carry an approved workers’ compensation policy, the company is considered a “non-subscriber” and the employee is eligible to file a lawsuit. Non-subscribers are under no obligation to provide specific payments for injury costs or lost wages, but they are also at a disadvantage if the employee decides to sue. If an employer chooses not to have insurance, the employer loses the right to claim employee negligence as a defense in court. In short, this means that the company can try to blame the worker for causing the accident, but the worker only has to prove that the employer was one percent responsible for the injury. If the employer is found to be one percent liable, the company will be responsible for paying all of the damages related to the injury.
- Third-party claims. Depending on the circumstances of the accident, an injured worker may be able to file a claim against someone other than the employer. An accident may have happened at work, but it could be the fault of a third-party (such as a coworker, a loading company, a cleaning or maintenance company, or the manufacturer of a defective piece of equipment).
How Can I Tell If My Employer Has Workers’ Compensation Insurance?
Many employees are unaware that their employers do not carry workers’ compensation insurance. Under Texas law, employers are required to post information regarding their workers’ compensation policies in an open and often-visited location in the workplace that is accessible to all employees. If the employer has workers’ compensation insurance, the notice should include the name, address, and phone number of their insurance carrier. If the employer does not carry workers’ compensation insurance, there should be a clear and easily-accessible notice posted so that all employees can see it.
Unfortunately, it can be difficult to get compensation for a Texas work injury whether your employer has workers’ compensation or not. Although the workers’ compensation system is supposed to provide fair and fast payment to workers, it is run by insurance companies who have a vested interest in denying claims. Workers often have to fight with insurance companies to get the basic workers’ compensation coverage that the policy allows, and trying to get full coverage for medical costs can be all but impossible. Insurers may also attempt to delay payments in the hopes that an injured worker will abandon the claim, or even return to work in order to pay the bills.
If your employer is not providing the benefits you deserve after a work injury, we can help. The attorneys at the Packard Law Firm can investigate any misconduct or potential illegal activities on the part of your employer, and we can deal with an insurance company on your behalf to get you the payments you need. Contact us today to discuss your potential claim with an experienced attorney in your free, confidential, and no-obligation consultation.
What is a third-party work injury claim?
There are potentially three parties that could be involved in a Texas work injury claim. These parties include the:
- First party. This is you.
- Second party. This includes your employer and by extension your employer’s other employees.
- Third party. Anyone else is considered a third party.
If you, your employer, or another employee was not responsible for your work injury, then it is important to consider whether a third party may be liable. When you are hurt by a third party while at work or while performing a work-related activity, you may have a third-party work injury claim.
How Third-Party Injury Claims Happen
Any time a third party causes your job-related injury, you may have a third-party claim. Some common examples of third-party job injury claims include:
- Motor vehicle accidents when the at-fault driver is not employed by your employer. If you are driving for work and you are involved in an accident that is caused by another driver who does not work for your employer, then you could have a third-party claim.
- Multiple contractors working on the same site and an injury being caused by someone who works for someone other than employer. If, for example, a roofer and an electrician are working on the same construction site but are employed by different companies, then the roofer could have a third-party claim if he is hurt by the electrician or the electrician could have a third-party claim if he is hurt by the roofer.
- Faulty equipment that was built or maintained by someone other than your employer. If the crane, the truck, the forklift, or another piece of equipment that you are using causes an accident and your injury because of faulty manufacturing or maintenance then you could have a third-party claim.
Of course, this list is not all inclusive and other types of third-party injury claims may arise. However you are hurt by a third party, you need to know how to protect your recovery.
What You May Recover in a Third-Party Injury Claim
Third-party work injury claims are different from workers’ compensation cases. In a third-party work injury claim, you may be able to recover for:
- All of your past, current, and future medical care related to your injuries. You may be able to select your medical providers.
- All of your past, current, and future lost income related to your injuries. This includes wages, benefits, bonuses and any other income that you are unable to earn because of your injuries.
- Physical pain and emotional suffering. These may be among your most significant damages.
- Loss of enjoyment of life and the things that you did before you were hurt. Keep detailed lists of everything that you are missing because of your injuries.
- Any damage to your own property. For example, if you were driving your own car for a work-related reason at the time of a crash then you may recover for the damage to your vehicle.
As with all types of personal injury claims, you will have to convince an insurance company or the court of the at-fault person’s liability and of the value of your injuries in order to make a recovery. Specifically, you will need to prove that:
- The third party owed you a duty of care.
- The third party breached that duty of care.
- You were hurt because of the third party’s breach of the duty of care.
- You have the right to seek damages for your injuries in court.
Your recovery is not automatic; instead, you have to fight for it.
How to Protect Your Right to a Fair Recovery in a Third-Party Injury Claim
While you pursue a third-party injury claim, it is important to remember that you may still be entitled to workers’ compensation benefits from the same incident. It is important to pursue all potential claims to make the fullest and fairest recovery possible.
For this reason and others, third-party work injury claims can be complex, and it is important to work with an experienced workers’ compensation lawyer to help you get the benefits that you deserve. To find out more, please browse the resources on our website and call us today to schedule a free, no-obligation consultation.
How can I find out if my employer has workers’ compensation insurance?
In other states, it may be a pretty safe bet that your insurer would have workers’ compensation insurance because such insurance would be required by state law. However, in Texas that is not true. Employers may decide for themselves whether they want to be covered by workers’ compensation—even though they may not decide for themselves whether they want to pay injured workers. In order to get the fair recovery that you deserve if you are hurt at work, it is important to know whether your employer has workers’ compensation insurance.
Texas Employers Must Provide Employees With Notice of Their Workers’ Compensation Status
Employers are required to let their employees know whether or not they have workers’ compensation insurance. Texas Department of Insurance Reference Rule 110.101(e)(2) requires that a notice be posted in English, Spanish, and any other language common among employees. This notice must be posted in the personnel office (if there is one) and in a prominent place in the workplace where employees are likely to see it regularly. The rule requires certain fonts for the title and content and it requires that certain words by used. A model form is provided for employers to use. Whatever form the employer uses, however, must include the date the employer was certified by the state as having workers’ compensation insurance and other information.
Your employer is also required to inform you in writing of its workers’ compensation insurance status when you are hired and whenever that status changes.
How to Know for Sure
Unfortunately, some employers do not tell the truth about their workers’ compensation coverage. They may try to avoid the costs of workers’ compensation insurance and a non-subscriber claim by telling you that they are covered by workers’ compensation insurance when they do not have such coverage.
If you have a question about whether your employer is insured then you can contact the Texas Department of Insurance or, if you’ve been hurt, then you can contact an experienced Texas work injury lawyer who can help you take the necessary steps to protect your recovery whether your employer is covered by workers’ compensation or is a non-subscriber.
What Happens If Your Employer Is Covered by Workers’ Compensation
If your employer is covered by workers’ compensation insurance, then your recovery for a work-related injury or illness should come from the insurance company. The insurance company should pay your medical expenses directly to your medical providers and should provide you with any benefits to which are entitled by law. As with any type of insurance coverage, however, the insurance company has a financial incentive to pay you as little as possible so that it can maximize its profits. Accordingly, you may have to fight for your fair recovery.
Don’t Give Up Your Rights If Your Employer Does NOT Have Workers’ Compensation Insurance
Texas does not require that all employers subscribe to workers’ compensation insurance. The employers who choose not to purchase workers’ compensation insurance are called non-subscribers.
Non-subscribers are not off the hook for paying for your work-related injury or illness. Instead, they are liable for all of your injuries, including all of your medical expenses, lost income, future lost income, pain, suffering, and other damages. Additionally, if you can prove gross negligence, then your employer may be liable for punitive damages. In other words, you may be able to recover more than if your employer had been covered by workers’ compensation insurance.
The first step in protecting your work injury recovery is knowing whether or not you are pursuing a workers’ compensation claim or a non-subscriber case. If you have any question about the kind of recovery you are seeking or if you would like help protecting your rights in either type of case, then we encourage you to contact our experienced work injury lawyers directly for a free, confidential, no-obligation consultation. Your time to pursue both types of cases is limited, so please contact us any time via this website or by phone to schedule your meeting today.
At what point in the application process should I contact the lawfirm? Do I have to be denied before I can get help?
If you are disabled and can't work, you should apply for social security benefits. Give us a call and Social Security disability lawyer can help you out, at the beginning of the process or even if you have been denied once or even twice. We can help you at the beginning or we can help you at the end when you are going in front of the judge. Fill out the contact form here on the website or pick up the phone and give us a call and we will see what we can do to help you.
Can I Afford a Social Security Disability Lawyer?
Those who need legal help with Social Security Disability may be hesitant to get a lawyer. If you are looking to apply for Social Security Disability, you likely don’t have another source of income or have a very limited income source, and if you’re already receiving some Social Security you are on a fixed income.
Without a lawyer, the process of paperwork, appeals, and legal maneuvering can feel overwhelming. So what should you do? You should get the legal help you need. It is much more affordable than you may realize.
How Much Money Do I Need to Pay Upfront?
Attorneys do not charge any fees upfront to work on your Social Security case. They do not charge to meet with you. They do not bill you hourly. There is no financial risk in speaking with a Social Security attorney since the service is free.
How Much Will I Need to Take Out of My Future Benefits?
If an attorney doesn’t charge you upfront, then they must bill you once you start receiving benefits, right? No. Whatever ongoing benefits you receive from the Social Security Administration are entirely yours. You will not have to live on a tightened income after your case just because you got an attorney.
How Will I Pay if I Lose?
You won’t have to pay.
Some people might worry that if they lose their Social Security case, not only will they not have the money they need, they’ll have lawyers to pay with the money they don’t have. Don’t worry. If you don’t win your Social Security case, you pay your lawyers nothing.
So How Do My Lawyers Get Paid?
If I don’t pay them upfront, and I don’t pay them from my benefits, if I won’t get billed, and I don’t pay if I lose, then how does my lawyer ever get paid?
If you win your Social Security case, you’ll likely be paid in two ways. First, you’ll be paid an ongoing monthly benefit. Nothing from your monthly checks go to your lawyer.
Second, most cases are also given a lump sum called “back pay”. This back pay is a reimbursement check for all the months that Social Security Administration should have been sending you checks, but wasn’t. Your attorney will charge 25% of this back pay. Typically when Social Security Administration goes to disburse your back pay check, they will actually send a check for 25% to your lawyer, and the remaining 75% will be sent to you so that you don’t even have to worry about it yourself.
What Does it Cost if I Don’t Get a Lawyer?
This article is mostly about all the costs of getting an attorney. But before you make a decision, you should also consider the costs of not get an attorney.
This process can be is overwhelming. There are many technical rules and regulations that can actually increase the amount of back pay and monthly pay that you get. Many people that handle their case on their own end up missing out on extra funds because they are not familiar with the technical rules. The Packard Law Firm has a special department that focuses specifically on maximizing the benefits and back pay you that you will receive.
If you need legal help with your Social Security, the best and most financially prudent thing you can do is get a lawyer. The Packard Law Firm is committed to helping individuals who need help with Social Security get the help they need in an affordable way. Reach out to us today.
Why are 18-Wheelers so dangerous?
18-wheelers are monstrous vehicles. A loaded 18-wheeler will weigh between 60 and 80,000 pounds. That is 20 times the weight of an average passenger vehicle. And when you are talking about damage to a car or to the people inside, it is not just the speed of the vehicle, it is the momentum. And when you are talking 60 to 80,000 pounds it will just crush a passenger car. These 18-wheelers kill and maim people every day.
Government studies show that 18-wheelers account for only 4% of the vehicles on the road, but they are involved in 1 in 8 of the traffic fatalities. So watch out for them because they are really dangerous.
And if you have been hurt by one, you can speak to truck accident lawyer today, we will be glad to help you.
How is a big truck case different than a regular car wreck case?
Well they are usually a lot more complex and they have a lot more issues. For example, you are going to need an expert witness almost all the time, usually more than one. You are going to want to evaluate the rig itself. It is very important to examine the vehicle, the 18-wheeler. You want to check the tires to make sure they are not overly worn, you want to make sure the brakes are at the right settings. Essentially you want to make sure that the vehicle should have been in service, so you look at the maintenance records, for example. And you also want to make sure that the load was secured, so that it wasn't sliding around as that could be the cause of the accident. None of that is relevant in a typical car wreck case, most of the time.
Different Regulations For Truck Industry
There are also unique federal and state regulations that apply only to big rigs and 18-wheelers and such. And so you want to check to make sure that the driver and the trucking company complied with the applicable federal regulations. Was the person really qualified to be driving, was the person sleepy, did the trucking company put them on a schedule that was unrealistic so that they had to drive sleepy.
Characteristics About The Truck Driver
You also want to check to see if the trucker was distracted. Because now a days, in many of these trucks, they have actual computers right there by the steering wheel. They have a keyboard and a computer screen. They are supposed to pull over when they want to talk to dispatch or their family, but lots of times they do that while they are driving. And there is a study out there that says that these truckers are 10 times more likely to cause an accident when they are distracted. You want to evaluate whether they are intoxicated or drunk or on drugs and of course you want to evaluate whether they are speeding. Many of these trucks have black boxes, kind of like an airplane, that records speed and other critical data. But even when they don't have that, there are very sophisticated ways to calculate the speed of a vehicle and to reconstruct the accident. And the formulas and the science behind how you calculate the speed of an 18-wheeler are very different than what happens when you are dealing with a regular passenger car.
Why You Need An Experienced Truck Attorney
Bottom line is this, if you have been hurt by an 18-wheeler, you want a truck accident lawyer who has done this enough times to know what the issues are, who the real experts are, what the regulations say and what to do so that you can be protected and your family can be taken care of.
So give us a call if you have one of these cases, we know what to do.
Related Truck Accident Information:
As a lawyer, do you need to be involved in the scientific and technical details of an 18-wheeler case?
In an 18-wheeler case, a truck accident lawyer really needs to be involved in enough of the details to know when an expert is trying to pull the wool over their eyes. They don't have to know all the science but they have to be willing to learn it so that they can be conversant with the experts. They have to know the rig, they have to know the regulations and they have to know the science.
I had a case one time where an 18-wheeler killed four people. And the expert that the other side had hired, had calculated the speed of the 18-wheeler at something that was very disadvantageous to our case. And we knew that he was wrong, but my expert couldn't figure out what he had done wrong. So I went out and bought the textbook that the expert had used when he was in college. And I read the whole thing, some of it multiple times. And we found it. That the expert from the other side had used the wrong formula. He used a formula for a passenger car, when if you use the right formula for an 18-wheeler, the speed would have been very different.
I confronted that expert in open court in front of the judge and the judge threw out the expert and all of his testimony as non-scientific and it turned the whole case. So you have to have a truck accident lawyer that is willing to get into the details, get into the science and if he doesn't know, he is willing to learn it. Because on these kinds of cases where the stakes are high, there is no telling what the other side will do.
If you have a case like this, give us a call because we know what to do to protect you.
Is it really important to act quickly in an 18-wheeler case?
In an 18-wheeler accident, it is very important that the family and the person who is injured, call a truck accident lawyer whose got a team of experts immediately. There is a lot of evidence that can get lost if they don't act quickly. In fact, the federal regulations allow the trucking company to destroy evidence after a certain period of time.
Act Quickly After A Truck Accident
So there is debris on the road, there are skid marks, there are burn marks, there are shards of glass and a lot of that stuff goes away if you wait too long. And some of it goes away very quickly. In addition you have witnesses, you have the tow truck driver, the police officer, bystanders, people in other vehicles. Those people need to be contacted and their testimony needs to be preserved. I have seen cases where the witnesses just got lost and you couldn't find them any more. Or they forget what happened. Or even worse the insurance company for the other side gets to them and gets them somehow to sign a statement that doesn't reflect what happened. And so it is important to have someone on that very early.
Truck Collision Inspections Are Time Consuming
In addition you have to evaluate the rig itself. There are things you have to check on, to make sure the brakes were properly set, the tires weren't overly worn, to make sure the vehicle should have been in service in the first place. And you want to get that vehicle as close to the accident as possible so that they can't argue that something else has created the defect that you are relying on.
San Antonio Truck Accident Experts
For all of those reasons, it is imperative that you call immediately so that my team of experts can get out there. Because rest assured, the insurance company is going to have their team out there as soon as the accident happens. If we don't get out there soon too we are going to be playing catch up.
So if you have one of these cases, give us a call or fill out the form on the website because we know what to do to help you.