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November 4, 2010
June 30, 2011
Don't let the binding process slow you down when you race the clock to get
nonsubscriber coverage in force.
Combined Group
knows
you would rather spend your time in front of clients, not at a desk, and we have
many time-saving online tools to help you do that
...more>
April 1, 2011
A new federal law requires all businesses that have any type of
liability insurance for work-related injuries register with the Department of
Health and Human Services and report regularly on job-related injuries,
beginning
...more>
January 26, 2011
The Texas Department of Insurance is improving efficiency via online
filing of Forms DWS-005 and DWC-205 (for additional locations and names) for
Texas nonsubscribers
...more>
November 4, 2010
Ever buy something because of its low price, only to have it cost you more in
the long run than the model you thought was too expensive ... more>
August 26, 2010
Texas employers who opt out of Workers'
Compensation in favor of nonsubscription face stiff penalties of up to $25,000
per day if they fail to file DWC Form-5 promptly at plan start-up and annually
thereafter
...more>
June 24, 2010
Nonsubscriber coverage through Republic just
got a lot better. We've
raised the Combined single indemnity limit to $2 Million with Republic CEI and
VIP plans.
We know each case is unique, so there is no such thing as a "one size fits all"
approach. As exposure increases, so must your ability
...more>
April 20, 2010
When we say the Combined Group is the
nonsubscriber market leader, it's not marketing hype; it is a fact. Here's why.
In our more than 20 years in the nonsubscription business we have earned the
complete trust and confidence of the industry's leading carriers
...more>
February 24, 2010
A federal law that took effect July 1, 2009 requires all businesses that
have any type of liability insurance for work-related injuries to
register with the Department of Health and Human Services. Companies
must report regularly about job-related injuries occurring January 1,
2010
...more>
December 2, 2009
The Employee Retirement Income Security Act of 1974 (ERISA) is federal
law that sets minimum standards and provides protection for people
enrolled in most voluntarily established pension and health plans in
private industry.
...more>
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An ERISA occupational injury benefit plan is an essential element of any effective non-subscriber program. We absolutely require that an approved ERISA plan be adopted and implemented by each non-subscriber insured. The policy provides that an employee who is not a participant in the insured's ERISA plan is not eligible for benefits from the 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 with rehabilitation and other plan requirements, disability benefit levels and time periods, definitions of all key terms, and requirements for payment of death, burial, and dismemberment benefits.
The ERISA Plan's Summary Plan Description and Mandatory Arbitration Agreement are presented to the employees in formal meetings. The arbitration provisions are designed to be binding on employees simply through disclosure in the meeting with their signature required on a signup sheet. Because of the ERISA plan's importance, we insist on the use of
Combined Group's plan with its cost built into our non-subscription program or an approved plan within 60 days of the policy effective date.
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To view our ERISA video
in Windows format, click on the following language:
English or
Spanish |
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