Q. 1. Does an Employer Have To Carry A Worker's Comp Policy ? Q. 2. Why Should I "Opt Out" and What Are The Advantages ? Q. 3. Is Opting Out For Everyone ? Q. 4. What Are The Disadvantages of "Opting Out" ? Q. 5. What Does It Require To "Opt Out" of Worker's Compensation ? Q. 6. What Are The Fines For Non-compliance ? Q. 7. What's the Makeup of the Market For Nonsubscription? Q. 8. What Are Some of The Statistics on Non-Subscribers ? Q. 9. Who Are Some Well Known Non-Subscribers ? Q.10. What Is Occupational Accident Coverage ? Q.11. What Kind of Benefits Does An Occupational Accident Insurance Policy Provide ? Q.12. What Are The Elements of A Good Non-Subscription Program Q.13. What Is ERISA ? Q.14.What is the Relationship Between My ERISA-Plan and My Insurance Policy? Q.15. Do I have To Adopt An ERISA Plan If I Opt Out of Worker's Comp? Q.16. What Documents Do I need to Comply With ERISA ? Q.17. What Does A Summary Plan Description Require ? Q.18. What Is an ADR ( Alternate Dispute Resolution) Agreement ? Q.19. Why Should I Have An ADR ? Q.20. What Is Mediation ? Q.21. What is Arbitration ? Q.22. What About Negligence Lawsuits ? Q.23. Do I Really Lose All My Defenses? Q.24 Why Would Someone Sue Their Employer ? Q.25. How Can I Avoid A Lawsuit ?