“The Option Resource Guide,” ARAWC

“Options to Workers’ Compensation: Public Policy Analysis,” PartnerSource

“Rejecting the Grand Bargain: What Happens When Large Companies Opt Out of Workers’ Compensation?” Stanford Institute for Economic Policy Research

“An Illinois workers’ compensation system for the 21st century,” Illinois Policy Institute

“Texas Nonsubscriber Option Actuarial Data Analysis – Fact Sheet Actuarial Report,” PartnerSource

“Oklahoma Performance Report,” ARAWC

“The Flip Side of Nonsubscription,” Donna Peavler, Insurance Thought Leadership

“Texas Work Comp: Rising Above Critics,” Gary Thornton, Insurance Thought Leadership

“Debunking ‘Opt-Out’ Myths” series, Bill Minick, Insurance Thought Leadership

“Recommendations target criticisms of ‘option’” Nancy Grover, Workers’ Compensation Report

“The Lone Star State Model for Helping Injured Workers,” Texas Public Policy Foundation

“Texas Nonsubscriber Option: Providing Better Disability Benefits?” PartnerSource

“Re-imaging the Grand Bargain Without Exclusive Remedy,” WorkersCompensation.com

“New Regulations for Disability Claims”, Bernie Hauder

“Texas Division of Workers’ Comp Biennial Report to the 87^th Legislature”

“Analysis of 2005 Legislative Reforms on the Texas Workers’ Comp System”

“Nonsubscription in Texas and its effects,” University of Illinois at Chicago

This study was first published for academic discussion by the IZA Institute of Labor Economics in 2019, then officially published in February 2020 in the Journal of Risk and Uncertainty.  It reflects consistent, positive results for injured workers and employers covered by Texas injury benefit programs.  Every academic, government and other independent analysis of program data over the past quarter century tells the same story.

Key findings from the University of Illinois for when companies switch from Texas workers’ compensation to Texas injury benefit programs:

1. No change in the number or types of injury claims reported,
2. Total medical payments immediately dropped by 40%,
3. Better able to avoid hospitalizations of injured workers,
4. Immediate reduction in work-loss of 80%,
5. Reduction in litigated claims of 35%, and
6. Total cost reduced 46%.

The study is 24 pages, but here’s a four-page summary.