These alternatives to workers' compensation, or "Options" provide:

• Acceptance by medical providers who do not accept workers' compensation
• An easy way to provide increased benefit levels to the injured associate, especially the paycheck-to-paycheck worker
• Enhanced ability to confirm the injury occurred at the workplace
• More flexibility to implement readily accepted medical management techniques that are commonly used in Group Health
• Ability to focus treatments on those that are proven
• Insurance is available without collateral requirements
• Ability to settle claims
• Significant savings, even with increased benefits
• High levels of employee satisfaction with meaningful increases in employee benefits
• Not a permanent decision - can return to workers' compensation at any time
• Competitive insurance markets and third party administrator participation
• Offers a high Return-on-Investment!