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/ > Claim solutions > - workers' compensation > Texas non-subscriber
Sedgwick offers comprehensive claims services, aggressive cost control strategies, and benefit plan support for employers participating in the Texas non-subscriber program.
Texas is one of the largest and most populous states in the U.S. There are also many aspects of the state’s business environment that set it apart from the rest of the country. Among them is a unique occupational injury option available for Texas employers. Texas is the only state where businesses can opt out of the state-run workers’ compensation system altogether or elect to participate in a non-subscriber program. The option has been available since 1913 and interest peaked in the mid 1980s when Texas workers’ compensation costs increased to some of the highest in the nation. Today, approximately 33% of Texas businesses operate as non-subscribers.

Non-subscriber programs – A Sedgwick specialty
Sedgwick is the leader in innovative claims and productivity management solutions. Our experienced management team has the unique jurisdictional knowledge and overall industry expertise to manage claims quickly and efficiently while providing outstanding service.

We provide services for several medium and large employers, and many Fortune® 500 companies that have chosen this cost-effective option. Our team has an in-depth understanding of all the elements that go into creating a responsible and successful non-subscriber program; and can provide benefit plan support, attorney and vendor recommendations, and assist with all facets of program compliance.

It is a common practice for employers to start with a non-subscriber feasibility study. By engaging outside experts, you can have access to the right information to develop an occupational injury benefit plan, with benefit levels and estimated costs, communication plan, and a timeline for your company to begin your program. The feasibility study may include the following:

  • Claims and insurance cost estimates based on at least five years of loss history;
  • The claims process used by non-subscribers (in-house or outsourced) vs. the Texas workers’ compensation system process;
  • Liability and benefit exposure for a non-subscriber program, as well as pertinent legislation, case law, and defense strategies for liability claims;
  • State and federal regulatory requirements applicable to non-subscribers and your contractual commitments to carry Texas workers’ compensation insurance or equivalent coverage;
  • Communication plan to inform your Texas workforce on the pending change from state workers’ compensation to non-subscription;
  • A review of safety programs and procedures to ensure proper safety equipment is furnished, rules have been established, employee training is provided, regular inspections are being conducted, and industry-specific OSHA standards are consistently followed.