If you work a manual labor job, such as in construction, manufacturing or shipping or moving, you are more likely at some point to suffer a workplace injury. For construction workers, you could take a nasty fall or experience a devastating crush injury. For those in manufacturing, you could suffer from tendinitis in your shoulder or elbow because of the repetitive nature of your work. For those who work in shipping or moving, you could suffer a painful back injury because of all the heavy lifting you do.
When you do suffer a work injury, you’ll most likely be confused about what to do next. First, you’ll need to report your injury to your employer. Next, you’ll need to find out if your Texas employer has worker’s compensation coverage or nonsubscriber insurance. If your employer has nonsubscriber insurance, then most likely you will need to see a doctor the insurance provider works with.
Seeing a provider-approved doctor
One disadvantage of seeing a doctor approved by an insurance provider is that the physician may side more with the insurance company than you. Insurance providers always look for ways to limit the claims they pay. By having those injured at work see a provider-approved doctor, the insurance provider controls more of the process. It can choose physicians who:
- are more likely to diagnose a less-severe injury
- suggest a less-invasive treatment
- tell you that you can return to work
Other injury claim issues
You also may have problems getting your claim approved by your employer’s nonsubscriber insurance provider or the provider may offer you a low-ball settlement. These are both common tactics insurance providers use to limit what they’ll pay for claim coverage.
If you face problems getting your injury costs covered by your employer’s nonsubscriber insurance, you should seek the help of an attorney. An attorney who has experience handling nonsubscriber insurance claims can help ensure you get the compensation you deserve. You shouldn’t have to fight to get your work injury costs covered. You might need help so you can focus on your recovery and getting back to work.