Understanding Workers' Compensation Benefits

Workers’ compensation is a safety net designed to protect employees who experience injuries or illnesses directly related to their job. However, many workers are either unaware of what it covers or believe common misconceptions, such as needing a lawyer for every claim or thinking it only applies to highly dangerous professions. This blog will help you understand who qualifies, the benefits available, and how to successfully file a workers’ compensation claim in Ohio.

Eligibility for Workers’ Compensation in Ohio

Who Qualifies?

Workers’ compensation in Ohio applies to most employees, ranging from full-time staff to part-time and temporary workers, as long as you are legally employed. Independent contractors are typically not covered unless specific agreements are in place.

Covered Injuries & Illnesses

Workers’ compensation benefits cover injuries or occupational illnesses sustained while performing your job duties. Covered situations include injuries from a single event, such as a fall, or conditions that develop over time, like carpal tunnel syndrome or lung diseases caused by workplace exposure.

Reporting Requirements

Reporting your injury promptly is crucial for a successful claim. Ohio law requires you to inform your employer as soon as possible about the incident, including the date, time, and details of the injury. You’ll also need to document the incident thoroughly and ensure your employer files an incident report.

Types of Workers’ Compensation Benefits

Medical Benefits

These benefits cover expenses like doctor’s visits, hospital stays, medications, therapy, and any necessary surgeries related to the injury. Medical care is fully paid for as long as it directly relates to your workplace injury or illness.

Temporary Disability Benefits

If your injury leaves you unable to work temporarily, you may qualify for wage replacement. This ensures you receive a portion of your income while recovering.

Permanent Disability Benefits

For employees who experience a lasting impairment, permanent disability benefits compensate for the reduced ability to work or perform daily tasks.

Death Benefits

If a workplace injury or illness tragically results in death, workers’ compensation provides benefits for dependents, such as spouses and children, to help them financially during an already difficult time.

The Claims Process

Filing a Claim

The Ohio Bureau of Workers’ Compensation (BWC) oversees claims in the state. Filing includes the following steps:

Notify your employer about the injury.
Fill out the First Report of Injury (FROI) form, accessible on the BWC website.
Submit the form along with any required medical documentation.
Monitor your claim’s progress on the BWC portal.

Key Deadlines

Ohio law requires claims to be filed within one year from the date of the injury or illness diagnosis. Failing to meet this deadline can result in denied benefits.

Appealing a Denied Claim

If your claim is denied, you have a right to appeal. Begin by filing an appeal with the Ohio Industrial Commission (OIC) within 14 days of your denial. Be prepared to provide additional documentation or attend hearings to explain your case. An experienced representative or legal advisor can help present your claim effectively.