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Non-Subscription
Overview
Texas
is unique among the states in allowing employers to not participate (be
nonsubscribers) in the Workers Compensation system. Legal authority for
this employer option resides in the original Workmen’s Compensation Act
passed in 1913. That language remains unchanged and is the basis for
today’s nonsubscription products. The act provides that if an employer
elects to nonsubscribe he must give up certain common law defenses to
suits for negligence. These certain defenses are not germane in light of
today’s insurance coverage and occupational injury plans. These
plans focus attention on the keys to success in nonsubscription – prompt
appropriate medical care. By providing the best care, transitional
light- duty and safety accountability, the employer creates an atmosphere
that will fuel a program of excellence.
At
Maverick, we are recognized leaders in providing insurance products and
support services to those employers electing to become nonsubscribers for
their Texas employee injury exposure. These products and services provide
indemnity for an employer’s expenses under an ERISA employee welfare
plan designed to provide maximum employer control of claims cost;
administration; and, choice of medical and service providers. Subject to a
binding arbitration provision in the ERISA plan, our insurance policies
also provide defense and legal liability expense coverage (excluding
accident-only policies) for suits in federal court for ERISA benefits and
in state court for negligence claims. |
