Is Workers' Compensation Mandatory?
Why Carry Workers' Compensation?
Doesn't This Mean The Insurance Company Ends Up Paying Extra Since They Don't Consider Fault Or Negligence?
What Is A Workers' Compensation Subscriber?
Can An Employer Who Has Workers' Compensation Still Be Sued?
What Requirements Does Senate Bill I Place On The Employer?
Notify the State they do or do not have coverage
Notify the State when they terminate coverage
Post notices, with exact wording, in the work place
Notify new employees of the absence of coverage
Notify existing employees of coverage termination
Notify employees how to file claims
Many employers must have drug prevention programs
What Are The Fines For Not Posting The Notices?
If An Employer Rejects Workers' Compensation, Does An Employee Automatically Win A Lawsuit?
In Order To Show Negligence On The Part Of The Employer, What Must The Employee Prove?
You failed to maintain adequate staff to perform the job safely
You failed to maintain safe premises and working conditions
You failed to provide or maintain the necessary equipment to perform the job safely
One of your supervisors or employees was negligent
Are More And More Employers Rejecting Workers' Comp?
But, you must comply with the law, and you should have a plan of protection for yourself which includes:
Compliance Package containing all forms and posters required by law
ERISA document for each employee detailing the Employee Welfare Benefit Plan
A package of Insurance covering Medical expense, Accidental Death & Dismemberment, Disability, and money for Legal defense and Settlement
A Safety Program that is well maintained and documented
Can I Ever Obtain Workers' Compensation Later?
Who Can An Employer Turn To?
What Percentage Of Companies Are Non-Subscribers?
44% of all Texas Employers are Non-Subscribers
20% of all Employees are no longer covered under Workers’ Comp
53% of all Texas Manufacturers are Non-Subscribers
49% of all Texas Retailers are Non-Subscribers
42% of all Texas Real Estate Sales and Management Companies are
38% of all Texas Transportation Companies are Non-Subscribers
37% of all Texas Construction Contractors are Non-Subscribers
30% of all Texas Healthcare Employers are Non-Subscribers
94% of all large Non-Subscriber Employers (200 Employees and up) offer
a responsible alternative to workers’ compensation
30% of the small Non-Subscribing Employers offer a responsible
alternative to Workers’ Compensation
Less than 3% of all injury claims ever go to the Court House in Texas
* Texas A&M study on Non-Subscribers as commissioned by the Texas Department of Insurance