Many employees in Ohio rely on workers’ compensation after they have been injured. However, most workers have questions about the basics of the workers’ compensation process. What do you need to know if you are injured on the job?
What employees are eligible for workers’ compensation?
Because state law requires employers to carry workers’ compensation policies to cover work-related injuries or illnesses, most workers are eligible to receive workers’ compensation benefits. However, if employees were injured when fighting, inured as a result of drug or alcohol use on the job or injured themselves intentionally, their employer’s insurance will not cover these injuries.
Self-employed individuals without any employees are generally not required to carry workers’ compensation insurance.
How do employees apply for workers’ compensation?
First, get the medical attention you need. By immediately seeking treatment, you will be able to document that your injury was work-related and get the medical care you need to prevent your injuries from worsening.
It is also essential to report your injury to your employer as soon as possible. This will create a record of your injury and allow you to get more information about filing a workers’ compensation claim.
Finally, file your claim with the Ohio Bureau of Workers’ Compensation. Claims can be filed by workers themselves or by an authorized representative like their employer or doctor. Once the appropriate forms have been filed, workers will receive notification of the status of their claim within 28 days.
What costs will workers’ compensation cover?
Generally, the financial assistance provided by workers’ compensation will pay eligible medical bills and offset the impact of time away from work due to the injury. Workers who are permanently disabled will receive payments on a longer-term basis because of the long-term impact of their injury.
Is it possible to appeal?
If the Bureau of Workers’ Compensation does not approve your claim or your managed care organization denies your request for treatment reimbursement, this is not necessarily the end of your claim. You have the right to appeal this decision and fight for fair compensation.
If you have further questions, speak to an experienced workers’ compensation attorney about your claim. They can guide you through the application process and help you get the compensation you deserve.