Workers' compensation is a state-mandated insurance program that provides compensation to workers who have sustained a work-related injury or contracted an occupational disease, no matter who caused the accident. Anyone who sustains an on-the-job injury is entitled to receive workers' compensation from the Bureau of Workers' Compensation (BWC) in Ohio. Ohio law requires employers to obtain workers' compensation benefits for all employees. Ohio employers are either state-fund or self-insured. Self-insured employers pay workers' compensation benefits directly to their employees, while state-fund employers pay an insurance premium to the BWC.
Injuries may result from accidents, inadequate training, dangerous working environments, or faulty machinery. However, employees are not required to prove the reason why their injury occurred, as it is a no-fault system that compensates workers without regard to negligence. Workers' compensation cases may involve injuries stemming from a sudden accident, repetitive motion trauma, or any illness related to the nature of a worker's job.
When an injury occurs, you must report the accident to your employer as soon as possible. Your employer can help you file the claim through their managed care organization (MCO). If you file your claim online, you will receive a claim number immediately. If you seek medical attention for your injury prior to filling a claim, be sure to tell the doctor that it is a workers' compensation claim. The doctor is required to report the injury to the MCO within 24 hours of treatment. For the first visit, you can see any doctor but after that, you are recommended to visit a BWC-certified healthcare provider.
Within 28 days of filing your claim, the BWC will decide whether to deny or allow your claim. If you disagree with the BWC's decision, you can file an appeal within 14 days. If your claim is approved, you or the provider will be reimbursed for medical expenses. If you are unable to work for eight or more days as a result of your work-related injury, you will be paid a percentage of the wages you lost.
The workers compensation attorneys at Jones Law Group do everything that is in our power to get you full and fair compensation for your injuries. Call (614) 545-9998 or contact us online for a free consultation with our workers compensation lawyer if you or a loved one has been injured on the job.