Today on Forecasting Success, Ryan Brannan sits down with Michelle Villarreal, owner and operator of Occupational Accident Risk.

In this episode, Michelle shares her extensive experience in the industry, recounting her humble beginnings in the mailroom at Cigna and her journey through various roles, ultimately leading her to start Occupational Accident Risk, a third party administrator (TPA) specializing in Texas nonsubscriber claims administration.

Throughout the episode, Ryan and Michelle discuss the differences between injury benefit programs and traditional workers’ compensation, stories of how the Texas model has benefited employers and employees, and what the future may look like for the occupational injury during a period of rapid technological innovation.