Nonsubscription

This alternative to Workers’ Compensation could save you more than you think

The costs of Workers’ Compensation claims and insurance have risen at an alarming rate. The state of Texas offers a unique opportunity for employers to opt out of the Workers’ Compensation system through an option called Nonsubscription. Many companies have enjoyed great savings with a Nonsubscription plan that:

  • reduces claim losses
  • reduces insurance premiums
  • takes care of injured workers while getting them back to work sooner

With proper management and oversight of a Nonsubscription plan, the rewards can be substantial. On average, our clients have realized a reduction of 50% in the overall cost of their program the very first year—including the cost of all consultation and legal work!

How It Works

The keys to the success of your program center on the administration of the program, safety-related training, appropriate insurance, and legal guidance. To meet these needs, WilliamsRipa & Associates, LLC provides a complete package to manage your Nonsubscription election. We will coordinate the efforts of administration, legal, and safety to complete a program that will be customized based on your needs. This package includes:

  • Developing necessary manuals for your supervisors and managers to reference procedures and forms
  • Reviewing and updating policy procedure manuals
  • Reviewing and updating safety manuals
  • Documentation procedures for current and future employee orientation
  • On-site meetings to train supervisors and managers
  • On-site orientation of existing employees
  • Forms and procedures to satisfy state regulations
  • Establishing a customized claims program either internally or through evaluation of outside services
      (if internal claims management is selected)

    • Support in hiring or interviewing internal candidates if necessary
    • Providing cost-effective software to maintain accurate records
    • Training on claims procedure and reserving
    • Periodic review of the claims files

      (if external claims management is selected)

    • Utilizing Risk Administration Resources, Ltd. for cost-effective claims management approved for appropriate insurance products
    • Utilizing CAMS software for Internet-based claims management
  • Development of a provider network of primary care physicians and specialists who have a history of treating Nonsubscribers
  • Coordinating case management
  • Claims oversight
  • File reviews
  • Attending quarterly meetings with management and supervisors to review and update program and results
  • Providing multiple insurance quotes with options on various deductibles and limits
  • Helping secure legal counsel to meet your needs. This independent counsel would:
    • Develop your ERISA program and file all necessary documents with federal authorities
    • Provide legal guidance and defense of claims
    • Be approved by selected insurance carrier
    • Incorporate safety programs and committees

Please don’t hesitate to call us at (972) 931-8307 today. WilliamsRipa & Associates, LLC welcomes the opportunity to discuss how a Nonsubscription plan can work for you.