Our Blog

Are There Viable Alternatives To Workers’ Compensation?

Are There Viable Alternatives To Workers’ Compensation?

The workers’ compensation system as we know it today has not changed in ways that anyone would consider major since it was created over a century ago. Each year, states spend years trying to repair one area of the program and chip away at another. At the end of the day, one group wins and another loses, but workers rarely gain any benefits.

Few would argue against the fact that an injured worker needs and deserves protection. Assistance is necessary when someone is injured while on the job. What many don’t agree on is the roles employees and employers should play in a program that offers such protection.

Close to 25 years ago, Texas became the first state to begin moving away from the traditional form of workers’ compensation insurance. Employers who chose to not participate in a traditional plan, built and managed their own benefits program. These programs were and are clearly explained to employees and new hires. Today, nearly one-third of all employers are covered by this “Texas Option.”

Seeing the success in Texas, Oklahoma decided to build its own option in 2012. The two programs are not identical, but they each contain the same three components: employee accountability, free-market competition and medical management control. Oklahoma employers have jumped on board and, four years later, more are using the option instead of traditional insurance.

Employers, Option brokers, TPAs and other service providers were quick to recognize the success of the option in Oklahoma and have formed a core group to offer programs in other states. The Association for Responsible Alternatives to Workers’ Compensation (ARAWC) is now advocating for the option in states across the nation.

The group plans to work with state employers and legislators to create state-specific Options. The group provides a model framework but will remain flexible in order to create plans that make the most sense for the employers and employees of the states it works with. This is sure to provide a very real alternative to the traditional workers’ compensation system that has only made very minor adjustments over the last 100 years, despite very major changes in the workforce.

If your claim for workers’ compensation in Charleston was denied, please call our office. We will provide you with a free case evaluation and advise you of your options. Call now.

The contents of this Web site are for informational purposes regarding legal issues in South Carolina and are not intended to convey detailed legal advice on specific issues. Transmission of the information contained in this site or any sites linked hereto is not intended to create, and receipt does not constitute an attorney-client relationship. Our attorneys practice law only in jurisdictions we are properly authorized to do so and do not seek to represent anyone in any jurisdiction where this site does not comply with applicable laws and bar rules. The lawyers of the law firm of Christmas Injury Lawyers are licensed to practice law in the State of South Carolina. Readers should not act upon the information contained in this site without first seeking the advice of an attorney licensed to practice in your area.

Attorneys principally practice in Mt. Pleasant office, but we will meet you at the time and office most convenient to you. We will also come to your hospital room or home upon request.

The information given above are examples of actual cases with actual clients our law firm has handled in the past. The reviews listed on our website are endorsements and/or testimonials from actual clients. Any results our law firm may achieve on behalf of one client in one matter does not necessarily indicate similar results can be obtained for other clients.

In an effort to continue serving the community while keeping everyone healthy and safe, our office is offering phone and video consultations. To schedule or learn more call (843) 884-6615 or fill out a contact form here.