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
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. 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. 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 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
