Bill Minick, Author at Insurance Thought Leadership



Bill Minick

Bill Minick

Bill Minick is the president of PartnerSource, a consulting firm that has helped deliver better benefits and improved outcomes for tens of thousands of injured workers and billions of dollars in economic development through “options” to workers’ compensation over the past 20 years.

Minick and his team of legal, claims, insurance, and information specialists work with employers, their insurance brokers and state legislatures in several states. Minick holds finance and law degrees from Abilene Christian University, Pepperdine University School of Law and Southern Methodist University School of Law.

Recent Articles by Bill Minick

Oklahoma Option: What Happens Now?

The Oklahoma Supreme Court’s split decision to strike down the Oklahoma Option to workers’ compensation in Vasquez v. Dillard’s is based entirely on Oklahoma’s unique constitution. The court chose not to consider the facts of Ms. Vasquez’ claim. For more information on that claim, see this letter from an experienced Oklahoma workers’ compensation attorney. See […]

Top 5 Things PCI Got Wrong on Work Comp

In June, the Property Casualty Insurers Association of America (PCI) published a report titled “Cost Shifting from Workers’ Comp Opt-Out Systems: Lessons from Texas and Oklahoma.” It claims to show how employers in those states are avoiding costs that should be covered by workers’ comp and that are instead paid by workers, their families, private […]

What Happens When Big Firms Opt Out?

A 74-page study released on March 18, 2016, covers 15 large, multi-state employers that provided their Texas employees with customized occupational injury benefits in lieu of workers’ compensation coverage between 1998 and 2010. This is Professor Morantz’s second research study on Texas “nonsubscription” (also known as the Texas “option” to workers’ compensation). The new report is found […]

Debunking ‘Opt-Out’ Myths (Part 6)

“Transparency” demonstrates whether a product or service has real value to society. It also promotes collaboration and process improvement. So, what does transparency mean, and how can the same standards be applied, in the context of workers’ compensation and the Texas and Oklahoma “options” to workers’ compensation? There are lessons all can learn on a […]

Debunking ‘Opt-Out’ Myths (Part 5)

Option programs in Texas and Oklahoma produce substantially less litigation than workers’ compensation systems do, which provides a powerful endorsement for states considering such programs. A look at litigation for workers’ compensation and option programs must consider three main exposures: (1) claims for employer liability, (2) claims that the law violates the particular state’s constitution […]

Debunking ‘Opt-Out’ Myths (Part 4)

I’m aware of no logic, facts or data to support the assertion that options increase workers’ compensation premiums. The exact opposite can be easily demonstrated. Ask yourself, are prices higher or lower when employers have only one product to choose from vs. when they are able to choose among competing products? Texas went from the […]

Debunking ‘Opt-Out’ Myths (Part 3)

This is the third of eight parts. The first article in the series is here. The second article in the series is here. Workers’ compensation is a mysterious realm. Just pick a state. Even those of us who regularly read workers’ compensation statutes, regulations and official government websites have great difficulty triangulating the truth about […]

Debunking ‘Opt-Out’ Myths (Part 2)

This is the second of eight parts. The first article in the series is here. “Opt-out” advocates have taken time to understand how workers’ compensation systems work, so it is fair to expect option opponents to take time to understand how options work. Sometimes, option myths are simply because of misunderstandings. Sometimes, they are outright […]

Debunking ‘Opt-Out’ Myths (Part 1)

Those who believe in the current workers’ compensation system share objectives with those who believe that companies should have the ability to “opt out.” We all want quality care for injured workers, better medical outcomes, fewer disputes, a fair profit for insurance companies and the lowest possible costs to employers. However, supporters of “options” to […]

Options to Work Comp: Public Policy Analysis

For more than 100 years, Texas has allowed most private employers the option of either purchasing workers’ compensation insurance or developing their own system of injured employee care. Today, 33% of all Texas employers have exercised their option and “nonsubscribe” from the state workers’ compensation system. This paper focuses on public policy that has provided […]

Connect With Bill Minick

  • Workers Compensation
Do NOT follow this link or you will be banned from the site!