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Originally Posted by glennac

Sounds like you need a good $#$ lawyer to straighten it out there ace. A man with your good connections in the favorite party of those lawyers shouldn't have a problem there I would think. Your a good man ace just trying to help you out there now. Thank you, thank you very much

That's where the law works to protect business Glen.. Lawyers will not tough a WC case in Texas. it is not worth there time and effort with tort reform. But it is OK, I have adapted to what I have and I am at peace with it

All I was trying to do was tell the OP that WC might be expensive but it could save his butt if something happened.

Originally Posted by acmanko

It takes a 15% disability to get WC benefits for life. Very few get 15%. I can barely walk and got 10%. They have a program to retrain workers, which I tried to enter. One caveat though. If you are off for longer than one year, you must file for SSDI before you can retrain. SSDI gave me complete disability but WC does not recognize it as more than a 10% disability. Do you not see that as odd?

Sounds like you need a good $#$ lawyer to straighten it out there ace. A man with your good connections in the favorite party of those lawyers shouldn't have a problem there I would think. Your a good man ace just trying to help you out there now. Thank you, thank you very much

It takes a 15% disability to get WC benefits for life. Very few get 15%. I can barely walk and got 10%. They have a program to retrain workers, which I tried to enter. One caveat though. If you are off for longer than one year, you must file for SSDI before you can retrain. SSDI gave me complete disability but WC does not recognize it as more than a 10% disability. Do you not see that as odd?

Originally Posted by acmanko

Funny you would list all States which are GOP controlled

And I agree. But here the WC laws have been skewed to keep someone off lifetime WC benefits and onto federal disability

Come on ace. Nothing in life is free or should be. Your employer had WC and you got injured on the "job" so you file a claim and the "compensation" is based on your injury and typically the "settlement" is arbitrated.

I was once involved in a WC case as a witness I might add for my company and we were a 3rd party and not the main target but simply pulled in an unsuccessful attempt to expand the liability so to speak. So I know a little about it.

I know you are limited as to what you can collect based on a scale for payments for different type of injuries. I presume you feel you didn't get your fair share. How come? Did they give you a cash settlement in lieu of monthly payments and you spent it all or what? Thank you, thank you very much

Funny you would list all States which are GOP controlled

And I agree. But here the WC laws have been skewed to keep someone off lifetime WC benefits and onto federal disability

Originally Posted by acmanko

Glen, I'll start with one sentence. If the tread does not get moved I will continue.

When the GOP , which controls Texas' Senate , House and Governor decided to protect Business And Doctors. They passed WC laws that did just that.

My bad. 2 sentences

Funny I thought that was the case in most states. Workman's comp took the dice out of the payment for injuries and uses a scale based on how bad the injury is (disability, etc.) to pay you for the injury in addition to all legitimate medical costs. And all companies who were bonded and insured had to have the insurance. Been that way in all the states I have lived and worked in: TN, KY, MS, SC, NC & GA. No different. Why would Texas be any better or worse? Thank you, thank you very much

Glen, I'll start with one sentence. If the tread does not get moved I will continue.

When the GOP , which controls Texas' Senate , House and Governor decided to protect Business And Doctors. They passed WC laws that did just that.

My bad. 2 sentences

Originally Posted by acmanko

Have you gotten so old that you forgot. It's political and this is the wrong forum

Pagey, I was not a subscriber, the Co I worked for was. Tort reform was voted in to protect business from lawsuits by injured workers

Hey ace how you got screwed over by workers comp shouldn't be that political but could make for some good reading. Give it a shot here. Can't wait. You can do it. Thank you, thank you very much

Have you gotten so old that you forgot. It's political and this is the wrong forum

Pagey, I was not a subscriber, the Co I worked for was. Tort reform was voted in to protect business from lawsuits by injured workers

Originally Posted by acmanko

Thats what you like to think Glen. But there are other reasons. But I'm not going to hijack his thread

Well go ahead ace. We like to hear a good "story" anyhow. Thank you, thank you very much

Originally Posted by acmanko

I spent over 3 years in WC as an employee and I can tell you WC does protect an employer from lawsuits from on the job accidents

Are you a nonsubscriber to WC? As I understand it in Texas you can opt out and sue for negligence and pain and suffering etc. I would imagine that somehow being a nonsubsriber the employee would just end up getting screwed.

Thats what you like to think Glen. But there are other reasons. But I'm not going to hijack his thread

I started on the facilities management side for lager commercial. I would NOT bid any contactor in any trade who did not have work comp. Same goes for my house. While there is still the risk of a lawsuits from the proprieties stand point it reduce that risk due to the fact the contractor has some coverage.

Originally Posted by acmanko

I spent over 3 years in WC as an employee and I can tell you WC does protect an employer from lawsuits from on the job accidents

Well ace that's why it was put into law. If everyone who broke a finger could sue their employer for a zillion dollars like they do in an auto accident then no one could afford the liability insurance that would come with it and then there would be no private businesses in operation. Sorry you weren't "compensated" adequately for your injury there. The system isn't perfect but it would be disaster without it. I assumed you appealed your "compensation" from Worker's comp. Thank you, thank you very much

I spent over 3 years in WC as an employee and I can tell you WC does protect an employer from lawsuits from on the job accidents

Workman comp laws do not protect owners from lawsuits/liability if they show negligence
As a self employed individual I would talk to your insurance man and se if work mans comp, short term or long term disabilities air the right choice

Workmans Comp for a sole proprieter with no employees is really a joke but sometimes you need it to get the job. I pay around 750 a year for my policy which doesn't cover me but anyone I pay to do any work for me. I get audited every year & if I pay out more than the minimum I'm allowed to anyone without their own policy then I get charged more. All my subs have their own WC policy just like I do so its not a factor for me. The way I understand it is that the policy holder is responsible for themselves as the business owner but anyone they hire who does not have a policy is covered by their policy.
So I'm not covered by WC & my subs are not covered by WC but we all are paying for a WC policy. Only the insurance companies could figure out a way to get everyone paying while noone is covered.

In my state you are allowed as a company owner to be exempt from your policy and you pay the base amount to "have" a workers comp policy. This doesn't cover you but it allows your COI to show you have the policy which is all most companies want. All companies go thorough a vicious audit every year by their own insurance company, if they aren't self insured, and the sole purpose of this audit is to make more money for the blood sucking parasite insurance company. They tear through your records and if they find you had a contractor doing work for you that doesn't have a COI on file, they will charge somewhere in the neighborhood of 30% of work done by said contractor to "cover" the insurance company. So lets say Billy Bob did 100k worth of work for you last year but you failed to get a COI showing coverage well you just got a 30k bill handed to you. Same for your customer, its less of liability and more of feeding the vicious blood sucking parasite insurance companies.

I digress though, sorry.

Insurance companies have become wise to this and informed most building owners of this ploy to save money so most now have a rider written in that basically says no exempt employees. I know I sound bitter but *** (three letter insurance company) and the whole PMI mortgage insurance fraud that started this catastrophe in the housing market ticks me off to no end.

Also, you will most likely run into a customer that preys on unsuspecting contractors and will get you to do a large job and then refuse payment (or withhold 50%) due to insufficient insurance coverage and you will be in a mess, so you better get at least the certificate if your state offers that route. Even if you have the WC on yourself it really isn't worth much. If your smart you are taking as much off the books cash as you can from good customers you like and/or paying your self a small salary to have income to pay on for old uncle sucker to leave you alone and take your cut mostly off of your company dividends at a much lower rate. This will make WC useless for you.

Most small guys i see get the WC certificate to be covered and end up getting AFLAC to supplement their own private health insurance policies. JMHO.

Originally Posted by toocoolforschool

Wow lytning that is a hell of a truck.

Thanks. Not much left on it stock. Added 350, auto and 4 WD. Carries lots of stuff.

You'll pay more in taxes as a Sole Pro than the WC will cost