If you’ve been injured on the job at a Lowe’s location in North Texas, you may be asking: Does Lowe’s offer traditional workers’ compensation coverage? The answer is no. Lowe’s is a Texas Non-Subscriber, meaning they have opted out of the state’s workers’ compensation system.
This decision affects how your injury claim is handled—and makes it even more important to understand your rights and seek experienced legal guidance.
At Sandoval Armstrong, we help injured workers across North Texas navigate the complex non-subscriber system and fight for the compensation they deserve.
Lowe’s warehouse and distribution center employees in North Texas face daily risks—from heavy lifting to machinery accidents. If you were hurt on the job and Lowe’s is a non-subscriber to Texas workers’ compensation, you may have the right to file a personal injury claim. Sandoval & Armstrong are here to help injured Lowe’s workers take legal action and recover the compensation they’re owed. Don’t settle for less—get the support you deserve
What Is a Texas Non-Subscriber?
Texas is the only state that allows private employers to opt out of the state-regulated workers’ compensation system. These companies are known as Texas non-subscribers.
Instead of purchasing workers’ comp insurance through the state, non-subscribers like Lowe’s choose to:
- Provide their own private occupational injury plans
- Use third-party administrators (TPAs) to manage claims
- Set their own rules and procedures for reporting and treatment
While this approach gives employers more control, it also exposes them to potential lawsuits for negligence—something traditional workers’ comp coverage would normally prevent
How Does This Affect Your Work Injury Claim at Lowe’s?
Because Lowe’s is a non-subscriber, the process for reporting a work injury and receiving benefits is not governed by the Texas Department of Insurance, Division of Workers’ Compensation (TDI-DWC). This means:
- Your claim is handled internally or through a TPA
- You may have limited time to report the injury
- You may be required to see employer-approved doctors
- Your benefits could be less comprehensive than those offered under the state system
- You can sue Lowe’s if your injury was caused by their negligence
What Benefits Might You Receive?
While Lowe’s does not offer traditional workers’ comp, they may still provide an injury benefit plan. Depending on the details of that plan, you may be eligible for:
- Medical treatment
- Lost wage reimbursement
- Disability or impairment benefits
However, these benefits are not guaranteed, and they may be more limited than those under the state system.
Why Legal Representation Matters
Because non-subscriber cases fall outside the state system, employers like Lowe’s often try to limit their financial liability. Common tactics include:
- Denying the injury happened at work
- Delaying approval for treatment
- Offering low settlement amounts
- Pushing for early return to work
At Sandoval Armstrong, we know how to challenge these tactics. Our team investigates your case, reviews the injury benefit plan, and determines whether negligence played a role—which could entitle you to file a personal injury lawsuit for full damages.
Don’t Let Lowe’s Decide Your Future Alone
When you’re injured at work, your focus should be on recovery—not battling a corporation over benefits. If you were hurt at Lowe’s in North Texas, don’t go through it alone. We’re here to help. Please call now for a free consultation at (214) 214-3777.
