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. Texas injury benefit programs to workers’ compensation are saving money for federal and state governments not costing them money. Cost shifting to government programs

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

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

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

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

Yes.;Injury benefit plans include a promise to pay reasonable and necessary medical expenses.;Texas injury benefit programs commonly limit medical expense payments to a significant dollar

Texas has dropped from the 10th most expensive workers’ compensation system in the U.S. (in 2003) to ranking 43rd in terms of expense (in 2018) AND achieved better medical outcomes for injured workers.

No. The Texas workers’ compensation system relies on various exclusions and limitations on benefits, buried among hundreds of pages of statutes, rules, guidelines and court

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

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

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

No. Texas injury benefit programs are commonly reviewed on an ongoing basis, continually improving benefit entitlements and outcomes. Change in traditional workers’ compensation programs occurs

Better understanding of injury benefit rights and responsibilities? Immediate medical diagnosis and treatment by the best available physician? Payment of higher wage replacement benefits on

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