Understanding Workers' Compensation in Ohio

What is Workers' Compensation?

The Ohio Bureau of Workers' Compensation (BWC) provides financial assistance to workers who are injured on the job or contract an occupational illness. This program, known as workers' compensation, is designed to provide medical care and lost wages to employees who suffer work-related injuries or illnesses.

In Ohio, employers with three or more full-time or part-time employees must have workers' compensation insurance coverage. This ensures that if an employee is injured on the job, they will receive necessary medical treatment and financial support without having to prove fault or negligence.

Workers' compensation benefits are not taxable and do not affect Social Security benefits. If you're unsure about your employer's coverage or have questions about filing a claim, it's essential to consult with the BWC or an experienced workers' compensation attorney.

How Do I File a Workers' Compensation Claim?

If you've been injured on the job or contracted an occupational illness, it's crucial to report your injury to your employer as soon as possible. You can do this by filling out a First Report of Injury (FROI) form and submitting it to your HR department or supervisor.

The BWC has a 24-hour hotline for reporting injuries: 1-800-OHIO-WORKS (1-800-644-6875). If you're unable to file a claim in person, the BWC can assist with remote filing options.

Once your claim is filed, the BWC will review it and determine whether you are eligible for benefits. You may need to provide additional documentation or attend an independent medical examination (IME) as part of the claims process.

What Happens After I File a Claim?

After filing your claim, you'll receive a letter from the BWC outlining the next steps. You may need to provide additional information or attend an IME.

The BWC will review your claim and determine whether it's approved or denied. If your claim is approved, you'll begin receiving benefits, including medical care and lost wages.

If your claim is denied, you can appeal the decision by contacting the BWC or seeking legal representation from a workers' compensation attorney.