In Ohio, when an employee sustains an injury from a workplace hazard, they can file an insurance claim that enables them to receive financial support for their medical bills and lost income. By accepting these benefits, they are forfeiting their right to sue their employer for the same injury.
Here are three frequently asked questions about the state’s workers’ comp policies:
Is workers’ comp insurance mandatory in Ohio?
In Ohio, business owners who employ more than one employee must provide workers’ comp insurance for them. This state requirement is for full-time, part-time and seasonal workers. It also includes corporate officers unless they get injured while doing volunteer work.
However, there are exceptions to this rule. For instance, domestic workers who earn less than $160 per quarter are excluded, while sole proprietors may avail themselves of the same insurance at their own discretion.
What benefits do workers’ comp provide to eligible employees?
Ohio workers’ comp is a ‘no fault’ insurance system that helps employees receive medical care for their work-related injuries and occupational diseases. These benefits include:
- All reasonable medical costs, including physical therapy and rehabilitation
- A portion of lost wages
- Death benefits (for a deceased worker’s surviving family)
- Temporary disability benefits
When an employee’s accident has caused them permanent impairment that makes them incapable of working, they may become eligible for lifetime disability benefits.
What injuries do Ohio workers’ comp cover?
Workers’ comp covers any type of injury that occurs or develops during an employee’s shift. This also includes injuries sustained during a business trip or while working on an errand on behalf of the employer.
Occupational diseases are also covered and refer to long-term conditions that have developed from workplace exposure, such as hearing loss, respiratory diseases and cancers.
By following the proper guidelines, employees can file their claims successfully
When employees take their time to learn about Ohio’s workers’ comp processes, they can become more familiar with the rules and file their claims without mistakes. This practice not only helps them focus on their recovery better but also ensures they receive their benefits on time.