Nonsubscription: Start To Finish

 
 
Successful Nonsubscriber Programs should reduce the frequency and severity of workplace injuries and provide quality occupational injury benefits while balancing the needs of the employer and its injured employees.

  • Injury Plan: A well written occupational injury benefit plan that provides appropriate medical care and wage replacement.  Click here for a Sample Injury Plan. 
  • Dispute Resolution Process: that fairly addresses workplace safety and benefit issues.  
    • Communication with employees
      • Pre and post-injury
    • Fair & expeditious resolution of disputes
      • First Step: Internal dispute resolution
      • Second Step: Third-party mediators
      • Third Step: Binding arbitration
  • Injury Prevention: Commitment from top management to provide a safe workplace, thereby reducing the frequency and severity of workplace injuries.
  • Claims Management:
    • Employer designated medical providers who understand Nonsubscription protocols and administer appropriate healthcare focused on getting the injured employee well.
    • A return-to-work program designed to expedite the injured employee’s return to productive work.
    • Claims care utilizing open continuing communications among the injured employee, the employer and medical providers.
The above components of a successful Nonsubscriber program positively impacts employer and employee satisfaction and reduces claims expense.
  • Program Implementation & Employee Communications:
    • Design customized Injury Plan and Dispute Resolution Plan to best fit the employer’s work-injury program needs.
    • Roll out Injury Plan (or its SPD), Dispute Resolution Plan and Nonsubscriber program procedures to designated management, location managers and employees.
    • Train designated personnel in customized Nonsubscriber claims handling procedures, protocols, monitoring and reporting.
      • Employees are required to use designated medical providers and receive pre-authorization for certain non-emergency medical services.
      • Close, continuing communications by Third Party Administrator with: the medical provider(s), the injured employee and designated management.
    • Analyze Nonsubscriber insurance policy forms, coverages and premium quotes so as to secure insurance in line with the employer’s risk retention objectives.
    • Inform workers’ compensation insurer of election to no longer carry workers´ compensation insurance in Texas.
    • Prepare initial Division of Workers' Compensation (“DWC”) required filings, notices and postings.
 JDC