ERISA

“ERISA" is an acronym for the federal "Employee Retirement Income Security Act of 1974".  ERISA has been used in Texas by non-subscribers as a road map between employer and an injured employee.  The ERISA plan is a contract between the employer and employee that in exchange for benefits provided by the employer, the injured employee promises contractually to abide by the terms of the ERISA plan.

The ERISA plan details the provisions, procedures and requirements for: benefit levels, benefit periods, medical payments, approved medical providers, employee injury reporting requirements, drug and alcohol testing, loss of benefits for failure to comply, disability benefit levels and time periods, definitions of all key terms, and requirements for payment of death, and dismemberment benefits.

The ERISA plan gives peace of mind to the employees of the participating company by spelling out applicable benefits for covered on the job injuries or death, the ERISA plan also gives the participating employer a tool to instill employee loyalty by providing meaningful benefits while assisting in keeping claims costs legitimate and under control.

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ADR

“ADR,” or Alternative Dispute Resolution, is a method of resolving differences between two parties outside of the court system and has been upheld by the Texas Supreme Court as well as the United States Supreme Court.