How has the Texas injury benefit program impacted Texas workers' compensation over the past 12 years?

  • 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.
  • These dramatic improvements in injured worker outcomes and employer costs are due to a combination of legal reforms and competition with the Texas injury benefit program. Insurance companies must work harder to implement reforms faster and maximize the results when competing with an alternative (Texas injury benefit program) product.