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State | Coverage Requirement | Employee Eligibility | Medical Provider Choice | Wage Replacement % | Death Benefit Cap | Notes |
---|---|---|---|---|---|---|
Arkansas | 3+ employees | Employees only | Employer chooses | 66 2/3% AWW | Funeral up to $6,000 + dependents | Farm/domestic exempt |
Louisiana | 1+ employees | Employees only | Employee chooses | 66 2/3% AWW | Funeral up to $8,500 + dependents | Covers minors/apprentices |
Oklahoma | 1+ employees | Employees only | Employer chooses | 70% of AWW (max cap applies) | Funeral up to $10,000 + dependents | Farm/domestic exempt |
Texas | Optional (employers may opt out, “non-subscribers”) | Employees only | Employer chooses if covered | 70% of AWW (with caps) | Funeral up to $10,000 + dependents | Only state where WC is not mandatory |
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