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Q.12. What Are The Elements Of A Good Nonsubscription Program ?

Non-subscription is not for everybody, for example - dangerous jobs, employer unconcerned with safety, transient workforce, extensive history of claims .
The elements of a good plan are:
  • Adopt an ERISA Plan and comply with the TDI's disclosure and administrative requirements
  • Implement a safety program that includes regular audits, safety training and testing and assessing existing safety needs
  • Communicate regularly with injured employees and create a light duty or back to work program
  • Establish an Alternative Dispute Program (ADR) program, which includes mediation and binding arbitration
  • Obtain liability or other insurance, which will cover all or a substantial portion of any negligence award
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