How Does Nonsubscription Differ From Workers’ Compensation

  

Successful Nonsubscription

Workers’ Compensation

Texas Employers in:

32%
68%



Employer Satisfaction


An excellent 82%

Employer customizes its work-injury program to best meet the needs of the company & employees while maintaining control & reducing work-injury costs
57% at best

Costly & inefficient government system that doesn’t provide work-injured employees the care they deserve


Dispute Resolution


Internal process with final & binding arbitration: no courthouse
Per statutory guidelines


Claims Administration


Pro-active claims management by employer’s internal staff or specialized TPA
Handled by insurance company: injured employee treated as a #

Incident Reporting


Per Injury Plan (most often by end of shift)
30 days per statutory guidelines


Medical Providers


Employer designated medical providers who share the goal of appropriate, quality medical care to get injured employees well & quickly back to productive work
Chosen by employee: a chiropractor can even be their selected treating provider



Utilization


Number of medical visits & lost time days are generally lower in
Nonsubscription vs. workers’ compensation

Return to Work


Limited duty return to work to keep the injured employee active in the workplace
Not pro-active, allowing injured employee to develop a “bad attitude” about work

Insurance Coverage
& Premiums


Coverages selected by employer, most often at substantially lower rates
Per statutory guidelines, most often at rates higher than Nonsubscription