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Anchor Risk Management Workers’ Compensation Texas

You might be uncertain about how to approach a worker’s compensation claim when your employer is covered under Anchor Risk Management. Don’t let this worry you. Our experienced lawyers at Husain Law + Associates—Houston Accident & Injury Lawyers, P.C. help injured workers navigate each step of the claim. These attorneys guide you in understanding who Anchor Risk Management are, what they do, and how you can claim damages when you’re injured at work. Contact us for a free consultation.

Who is Anchor Risk Management

Anchor Risk Management is a provider of comprehensive claims administration services for workers’ compensation and non-subscriber claims. Private companies in Texas have the choice to subscribe to the government’s worker’s compensation program or look for a third-party alternative. Most do this to reduce the cost of worker’s compensation insurance. Regardless, Texas requires non-subscriber employers to notify their employees about worker’s compensation alternatives available in case they are injured at work. Filing a worker’s compensation claim when your employer subscribes to Anchor Risk Management can be confusing. But there are ways to simplify the process for yourself. One of the most effective tactics is to work with a Texas worker’s compensation lawyer familiar with these claims.

How to File an Anchor Risk Management Workers’ Compensation Claim in Texas

Texas workers’ compensation claims provide a structured process for employees to seek compensation for work-related injuries. Understanding the claim filing process is essential for a smooth and fair resolution. The process begins when you report the injury to your employer, which starts the documentation and investigation process.

Step 1: Report the Injury to the Employer

You must inform your employer about a workplace injury as soon as possible. This way, your employer is less likely to question your injury or its severity. Notifying your employer also allows them to report the injury to Anchor Risk Management. They must do this so their insurer can begin the investigations and settlement process.

At this stage, you must be careful to ensure you don’t sign any documents from the employer or give statements without your lawyer present. While you may think the worker’s compensation insurance providers are on your side, they’re seeking to reduce the costs associated with the injury as much as legally possible. Therefore, consult an attorney who will help you fight for fair compensation.

Step 2: Seek Medical Attention and Document the Treatment

Seek immediate medical attention after you’ve reported the injury. Follow this step with thorough documentation of all medical treatments you receive. Keep copies of your receipts, prescriptions, and healing progress. Check your employee handbook to see whether your employer requires you to go to a designated doctor for treatment. Despite this, don’t hesitate to seek a second opinion from a doctor not on your employer’s payroll.

Step 3: File a Claim

File a claim with Anchor Risk Management. This option is available when your Texas employer doesn’t subscribe to the Texas worker’s compensation insurance. When filing this claim, you must keep the required timelines and complete the correct paperwork. It’s, therefore, an excellent idea to work with an attorney who’s already familiar with this process.

Filing a Claim

If your employer is a non-subscriber, you can file a claim against them in court. When you aren’t satisfied with the compensation they’re offering through Anchor Risk Management, you can file a personal injury suit. If you intend to go down this route, you must engage your Attorney as soon as you’re injured. At this point, you must also be careful about the documents you sign and the information you provide to your employer or insurer. When filing a personal injury claim, you must prove that your employer was negligent in providing you with a safe working environment. The evidence you may need to prove your employer’s negligence includes:

  • Witness statements
  • Records of safety violations
  • Proof of inadequate training programs

Suppose you’re working for a non-subscriber employer. In that case, you can claim additional benefits outside medical costs and lost income. Some of these damages include:

  • Physical pain and suffering
  • Emotional distress
  • Loss of future earning capacity
  • Punitive damages (in extreme cases of negligence)

To claim these benefits, work with a worker’s compensation attorney to help you file a personal injury suit against your employer. In this claim, you must demonstrate how your injuries resulted from your employer’s or third-party negligence. You can also claim these damages even if you were partially at fault for the injury. The claims process can be complicated. Therefore, work with a workplace compensation lawyer to help you deal with the legal aspects of your case. When working with an experienced lawyer, they will help you:

  • Assess the strength of your claim and its potential value
  • Conduct a thorough investigation into how the accident happened
  • Gather the necessary evidence to support your case
  • Consult with experts (such as accident reconstruction specialists or medical professionals) to strengthen your arguments
  • Handle the paperwork and legal requirements on your behalf
  • Negotiate with the insurance company or opposing party for a fair settlement

Reasons to Work with Experienced Lawyer for Anchor Risk Management Workers’ Compensation

Working with an experienced lawyer will give you the peace of mind and freedom to deal with your recovery from the injury. Here are other reasons to work with a worker’s compensation attorney who’s familiar with third-party administration claims:

  • An attorney will help you navigate the complex legal environment of these claims. These lawyers are familiar with the claims process and the employer and employee’s responsibilities.
  • An attorney is best positioned to guide you on what steps to take when filing a claim. Look for an attorney who has worked with cases like yours before.
  • Working with a lawyer will allow you to concentrate on other issues, such as planning your return to work or focusing on your recovery from the injury.

Filing a Claim When a Third Party is at Fault for an Injury

Worker’s compensation works as long as you are injured while performing your duties if you’re injured outside work while on official duty, you have the right to pursue a claim. In this case, you can file a claim through your employer and the at-fault party’s insurance. These claims come with additional complexities, such as recovery of the damages Anchor Risk awarded you. When another party outside work premises injures you, you should contact a Texas personal injury attorney immediately. You must also take the following steps to secure your evidence:

  • Get the insurance details of the at-fault party
  • Collect evidence at the scene of the injury
  • Record witness statements, if any
  • Visit a hospital immediately for a checkup and treatment
  • Notify your employer as soon as possible (and within 30 days of the injury)

When filing a third-party claim, you must be able to prove that that party’s negligence caused your injury. Potential people who might have contributed to your workplace injuries include:

  • Drivers
  • Manufacturers of defective products or equipment
  • Contractors and subcontractors
  • Property owners

Cases of workplace injury involving a third party can be complex. Navigating these cases requires understanding how the third party caused your injury, your contributory fault, and how you can recover your damages.

Damages Available

Some of the damages you can recover when you’re injured at work include:

  • Lost income

Workplace injuries can cause you to miss work for a few days or months. In other cases, you may develop a disability that impairs your ability to work again. You can file a claim against your employer to recover the income you lost during the duration of the injury. If you’re able to work but your earnings are significantly reduced, you can file a claim to request compensation for the difference in income. Loss of income damages are also available when you lose your loved one to a workplace injury.

  • Medical Costs

It is advisable to seek medical attention when injured at work, whether you think the injuries are severe. This incurs medical costs such as examination feeds, treatment, medication and therapy. In some cases, you may need continued medical care in future, meaning the injury will continue to impact your life negatively. Fortunately, our workers’ compensation lawyers will help you recover all the past, present, and future medical costs of your injury.

  • Pain and suffering

Employers covered under Anchor Risk Management are non-subscribers. This means that you can sue them to seek compensation for the pain and suffering you experience during your recovery from a workplace injury.

Find a Worker’s Compensation Lawyer in Texas

You should not navigate a claim for a workplace injury alone, especially when your employer is a non-subscriber. Non-subscriber employers work with Third Party Administrators like Anchor Risk Management to settle any claims arising from workplace injuries. It can be complicated to figure out your responsibilities after a work injury and the legal claims process when you’re injured. Fortunately, you can reach out to Husain Law + Associates—Houston Accident & Injury Lawyers, P.C. attorneys to guide you through the process. Contact us today to get started on your claim.

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