If you were injured on the job at a Costco warehouse or retail location in North Texas, you might assume that your injury will be covered by Texas workers’ compensation. But here’s the key fact:
Costco is a Texas Non-Subscriber.
That means Costco does not participate in the state’s traditional workers’ compensation system, and your claim will follow a different process. At Sandoval Armstrong, we help injured workers like you understand their rights and navigate the legal road ahead.
What Is a Texas Non-Subscriber?
In Texas, private employers are not required to carry state-regulated workers’ compensation insurance. Companies that choose to opt out of the system are called non-subscribers.
Costco has made this choice. Instead of participating in the state program, they provide an alternative injury benefit plan—but that plan is not regulated the same way traditional workers’ comp is.
This affects everything from how you report your injury to how much compensation you can receive.
What Does Costco’s Work Injury Plan Cover?
Costco may offer coverage for:
- Medical expenses related to your injury
- Lost wages or short-term disability benefits
- Rehabilitation or therapy services
However, these benefits are not guaranteed, and they may come with strict deadlines, limitations, or conditions.
Worse, you may be required to use doctors selected by Costco or their insurance administrators—who may not always act in your best interest.
What Happens If Costco Is Responsible for Your Injury?
Since Costco is a non-subscriber, they lose certain legal protections that employers participating in the state system enjoy. That means:
- If your injury was caused by Costco’s negligence, you may be able to file a personal injury lawsuit
- You could recover damages for pain and suffering, lost future income, and medical bills not covered under their plan
This is a key difference from traditional workers’ comp, which limits the types of compensation you can receive.
Common Challenges With Costco Injury Claims
Costco, like many large non-subscriber employers, may try to:
- Deny that your injury happened at work
- Delay medical treatment approvals
- Offer low settlements to avoid legal claims
- Pressure you to return to work before you’re ready
That’s why you need an experienced legal team who understands how to fight back.
Why Sandoval Armstrong?
At Sandoval Armstrong, we have extensive experience representing workers injured at non-subscriber companies like Costco. We know how to:
- Review injury benefit plans
- Identify employer negligence
- File the right claims on time
- Negotiate fair settlements—or take the case to court if needed
Injured While Working at Costco in North Texas? We’re Here to Help.
Don’t let Costco’s status as a non-subscriber stand between you and the compensation you deserve. If you were hurt at work, contact Sandoval Armstrong today for a free consultation. We’ll explain your options and fight to protect your future.
📞 Call now at (214) 214-3777 to schedule your free case review.
