The answer to this question is “yes.” Texas is the only state in the country that allows employers to opt out of workers’ compensation. Employers who opt out of carrying workers’ comp may not provide any accident insurance or they may carry private non-subscriber insurance plans. There are thousands of non-subscriber employers in Texas, including some very big corporations, such as Walmart, Home Depot and others. Accor...
Do you know what to do about lost wages from a work injury? This is critical knowledge to have if you’ve been seriously hurt on the job. Work injuries can take away not only your paycheck while you recuperate, but also your long-term ability to earn money. Knowing how to recover wages can make the difference between paying your bills and financial devastation. When you’ve been injured and can’t work, you may be able t...
Construction work is inherently dangerous, so it is not surprising that construction workers have some of the highest rates of workplace injuries, which can cause severe disabilities and death. According to the Occupational Safety & Health Administration (OSHA), the fatal injury rate for the construction industry is higher than the national average for all other industries. If you or a loved one has been injured or some...
According to the National Safety Council’s workplace injury statistics, a worker is injured every seven seconds. In Texas, employees who have suffered a work-related injury or illness receive the medical care they need and disability income through their employer’s workers’ compensation insurance if the employer carries workers’ comp. Texas employers, however, are not required to carry workers’ comp insurance. Emp...
The Magnetic Resonance Imaging test, or MRI, is performed at a hospital or imaging center. The patient lies on a tray, which slides into a tube, and after a series of very loud clicks made by a large magnet, a series of images is created. The images are read or “interpreted” by a radiologist, who writes a report that becomes the “official” result of the MRI. Unlike x-rays (which see bones), MRIs are particularly helpfu...

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