Workers Compensation Claims vs Non-subscribers Claims
Workers compensation is a state-regulated program that ensures certain payments to employees who suffer work-related injuries. In a state like Texas, employers can choose to purchase workers comp insurance or not. Those who decide not to subscribe to workers compensation may provide non-subscriber plans as alternatives. How Non-subscribers Plan Differ from Workers Compensation Plan Both workers compensation and non-subscribers’ packages offer compensation for injured workers, but their benefit system is different. Workers comp covers explicitly, medical benefits and lost wages, and in return, employees lose their rights to sue their employers for negligence. The coverage of a non-subscribers’ plan is not state-managed; instead, it varies from one organization to another. Employers can decide how much they'll pay and for how long. However, employees can choose to sue the employer for personal injury damages, especially if the coverage isn't sufficient. What's...