Is a Texas injury benefit program the same as "Opt-Out"?

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 America.

Opt-in to QCARE – A responsible Texas injury benefit program that delivers better medical outcomes, improved benefits and cost savings, and meets 10 essential standards to earn the QCARE designation.

Opt-Out – May not meet industry standards for the QCARE designation or provide any injury benefits.