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| Myths About Nonsubscription |
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| Summary: |
Read more about myths about nonsubscription. |
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- Nonsubscription depopulates the WC system of low risk employers.
(The fact is, nonsubscription is dominated by retail, healthcare, food service, transportation, and manufacturing employers with high occupational injury frequency and severity. There is no "adverse selection" against the WC system. In fact, the WC system would only be further strained by the return of these high risk employers.)
- Nonsubscribers are unregulated and unaccountable.
(This ignores a myriad of current TWCC, ERISA, and OSHA reporting and disclosure requirements for nonsubscribers, the ERISA claims regulations, and various other nonsubscriber benefits to and protections for employees).
- Nonsubscription is bad for Texas business.
(Nonsubscription can be credited with acting as a "safety valve" to the current Workers' Compensation System, saving tens of thousands of jobs in Texas that would have otherwise been lost to China, India, Mexico and other places.
- Nonsubscribers are abusing their injured workers.
(Nonsubscribers are HIGHLY MOTIVATED to prevent employee injuries due to the negligence liability exposure imposed upon them by law. This myth is debunked by the Research and Oversight Council studies that have found higher satisfaction levels among injured workers employed by nonsubscribers in the areas of employer treatment, medical coverage, and income benefits paid during recovery.)
- Nonsubscription prevents the WC system from gaining critical mass to succeed.
(With well over 100,000 businesses and 7 million employees currently covered by WC, how many are enough? These numbers are significantly higher than most other state WC systems.)
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