Lowe’s Work Injury FAQs for North Texas Employees

What You Should Know About Non-Subscriber Claims

Were you injured while working at Lowe’s in North Texas? If so, you may be wondering what your legal options are — especially since Lowe’s is a Texas Non-Subscriber, meaning it does not participate in the state’s traditional workers’ compensation system.

At Sandoval Armstrong, PLLC, we represent injured workers in Dallas, Fort Worth, Arlington, Denton, and throughout North Texas, helping them navigate these complex non-subscriber claims. Below are answers to some of the most frequently asked questions we receive from Lowe’s employees after a workplace injury.

How does Lowe’s Workers Comp Work?

Lowe’s is a Texas non-subscriber employer. A Lowe’s workers’ comp claim can result in payment for all your accident-related medical expenses. Lowe’s employees injured while on the job in North Texas can also receive benefits to cover lost wages while they’re temporarily or permanently out of work. You’ll get these benefits every few weeks for as long as the policy permits. Non-subscriber policies often do not offer permanent disability or death benefits to injured workers. However, you might be eligible for these benefits through a personal injury claim.

Is Lowe’s Covered by Workers’ Compensation in North Texas?

No. Lowe’s has opted out of the Texas Workers’ Compensation Act (TWCA), meaning it operates as a non-subscriber. Instead of going through a traditional workers’ comp process, injured Lowe’s employees may have to pursue a personal injury claim if the company’s negligence played a role in their injury.

How Long do I Have to Wait to Start a Lowe’s Workman’s Comp Claim in North Texas?

A Workers’ Compensation claim must be made within six months of the date of injury or incident. The sooner you start the claim, the better. In other words, the more you allow your employer to delay the process, the harder it will be on you and your family down the road.

Why Would a Workers Comp Doctor Lie About my Injury while Working at Lowe’s?

Workers’ Compensation doctors are really doctors that do a job and get paid by insurance companies. They will only provide treatment, regardless of what they feel is necessary, if the insurance company approves treatment. Some doctors are strictly hired to provide opinions about the necessity of future treatment. They also are paid by the insurance companies. The goal of all insurance companies is to pay as little as possible.

What Happens if you Quit while on Lowe’s Workers Comp?

Resignation from employment can be considered a “breach of mutuality” under the workers compensation legislation. Consult with your North Texas workers’ compensation lawyer before quitting so you can learn the consequences of that action.

Is There a Limit on Benefits in a Lowe’s Workers Comp Case?

A claim against Lowe’s can result in payment for all your accident-related medical expenses. You can also receive benefits to cover lost wages while you’re temporarily or permanently out of work. According to a typical Lowe’s typical plan, the maximum amount for all combined benefits after an injury cannot exceed $300,000 per associate and $1,000,000 per occurrence.

Do I Get Full Pay by Lowe’s if Injured at Work and Unable to Work?

You will likely not get 100% of your paid. Under the injury benefit plan, you are likely only entitled to a certain percentage or average of your full salary.

Can you Collect Workers Comp for Life if Suffered Serious Work Injuries?

The workers compensation laws limit a worker’s rights to access workers compensation once they reach the retirement age. Currently, the full benefit age is 66 years and 2 months for people born in 1955, and it will gradually rise to 67 for those born in 1960 or later. (refer to “Retirement Eligibility Requirements“).

What if you Lose a Loved One in a Work Accident?

Wrongful death cases include those where a loved one loses their life in work accident. Every year, more than 5,000 deaths result from on the job accidents. Death of a workers and result from wide range of employer negligence. Read more about Wrongful death in work accidents.

Should I Get a Workers Comp Lawyer if I Got Hurt While Working at Lowe’s?

Many workers can benefit greatly from hiring a Texas workers’ compensation lawyer. Learn more about your legal rights and how to file a Lowe’s workers comp claim by calling North Texas worker’s comp lawyers Hector Sandoval or Warren Armstrong. Please call now for a free consultation at (214) 214-3777.