Hundreds of workers sustain fatal injuries, and thousands suffer disabling injuries every year in ladder-related incidents. That has prompted the American Ladder Institute to sponsor the National Ladder Safety Month in March to promote safety at home and work. The initiative intends to reduce ladder-related fatalities and injuries and raise awareness of ladder safety either at home or work. Using the Wrong Ladder. Many inju...
If you are a foreign worker injured on the job – even if undocumented – you have rights. Generally, injury law applies the same as if you were a citizen. However, having permission to work in the country and/or filing your taxes may affect whether or not you may claim lost income in an injury claim. Some companies or employers will encourage you to use an ITIN (Individual Taxpayer Identification Number) to establish you...
Texas is the only state that lets companies opt out of carrying workers’ comp insurance coverage. Why companies opt out of workers’ comp in Texas is often for a pretty basic reason. They believe they will save themselves money. These non-subscriber employers know that if they opt out of providing official Texas workers’ comp, they won’t have the state telling them what to do when it comes to providing benefits. By prov...
What Employee Injury Coverage Does Your Texas Employer Carry? Texas Employers and their insurance companies strongly defend employee work injuries, especially when they are a non-subscriber or self-insured and have elected to go outside of the Texas Workers' Compensation program. Generally, the workers' comp system is in place to protect both the worker and the employer, allowing quick access to benefits for employees wh...
Texas allows an employer to opt out of the state-run Workers' Compensation program. Companies who opt out are called Non-Subscribers Employers and any workplace injury occurring falls within the requirements and regulations for a Texas Non-Subscriber Employers Accidents and Claims plan or policy. The Non-Subscriber employer contracts with a neutral Third Party Administrator to handle their Texas Non-Workers' Comp insurance ...

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