Not exactly. Both workers’ compensation and Texas injury benefit programs allow employers to insure, self-fund or do a combination of insurance and self-funding. This is

Yes. Texas injury benefit employers are subject to several federal laws that make it unlawful for any person to discriminate or retaliate against an injured

No. Workers’ compensation reforms have historically tended to focus on reducing benefits, reducing physician reimbursements and narrowing compensability. Such reforms also commonly do little (if

There are significant differences: Hyper-regulated, government-run workers’ compensation programs can cost a state tens of millions of taxpayer dollars every year to operate and the

No. Texas employers have three choices: Opt-in to Workers’ Compensation – Texas innovation and competition has created one of the best-performing workers’ compensation systems in

Yes. There are thousands of workers’ compensation industry professionals who believe in and support Texas injury benefit programs. For example: Many sophisticated Fortune 500 risk

Yes. Employees have extensive internal and external rights to appeal any benefit denial, including access to state and federal courts. Federal law prohibits mandatory, final

Yes. Independent studies of this competitive alternative to Texas workers’ compensation have already been conducted by Stanford University School of Law and other prominent, national

No. Texas injury benefit programs have never been about reducing benefits to injured workers. Instead, they rely on better communication, accountability and medical management to

First, Social Responsibility: Most Texas injury benefit employers take social responsibility very seriously. They commonly compete to be recognized locally and nationally as a “Best

This is an advantage for everyone, not a penalty. More immediate notice of injury has several important advantages for workers and employers. Prompt injury reporting

The vast majority of workers’ compensation and Texas injury benefit program claims do not involve catastrophic injury. For these typical claims, all reasonable and necessary

The sad truth is there are tragic stories under both workers’ compensation and Texas injury benefit programs. The questions everyone should be asking are: Which