Texas is the only state that lets companies opt out of carrying workers’ comp insurance coverage. Why companies opt out of workers’ comp in Texas is often for a pretty basic reason. They believe they will save themselves money. These non-subscriber employers know that if they opt out of providing official Texas workers’ comp, they won’t have the state telling them what to do when it comes to providing benefits. By prov...
If you are injured, you need to know if your employer has Official Texas Worker’s Compensation, or is a Non-Subscriber, with some other form of plan that may imitate Official Texas Worker’s Compensation. What is a Non-Subscriber Company and How Does it Impact You as an Employee? A Non-Subscriber company - in this sense - is a company that does not have the Official Texas Worker's Compensation Coverage. An employer No...
Texas is one of the states that does not require that all businesses maintain workers' compensation insurance for all employees. This can be both good and bad for the injured worker. The main benefit, if your employer does not have workers' comp but has insurance to cover work injuries, they are very likely a Non-Subscriber and have waived the protection against being sued by injured employees. However, the real problems begin...
What Employee Injury Coverage Does Your Texas Employer Carry? Texas Employers and their insurance companies strongly defend employee work injuries, especially when they are a non-subscriber or self-insured and have elected to go outside of the Texas Workers' Compensation program. Generally, the workers' comp system is in place to protect both the worker and the employer, allowing quick access to benefits for employees wh...
Texas allows an employer to opt out of the state-run Workers' Compensation program. Companies who opt out are called Non-Subscribers Employers and any workplace injury occurring falls within the requirements and regulations for a Texas Non-Subscriber Employers Accidents and Claims plan or policy. The Non-Subscriber employer contracts with a neutral Third Party Administrator to handle their Texas Non-Workers' Comp insurance ...

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