What are the advantages of opting out?
In general, employers in Texas who “opt out” of workers compensation are better able to direct the care of injured employees, are given a financial incentive to provide a safer workplace, and can avoid the frustration of dealing with uncaring or unresponsive state agencies or health care providers. Non-subscriber employers can participate in the decision to send an employee to a certain doctor, whether to pay a claim, whether an employee is eligible for benefits, whether light duty work is available, and even whether a claim is valid at all. Non-subscriber employers can also receive a direct return on their effort to increase workplace safety, both in reduced premiums and a reduction in claims. Employee morale may also improve when hard working employees see that “malingerers” are not permitted to take advantage of the system and collect on suspicious injuries.
