There are two types of employers in the Ohio workers’ compensation system:
State fund employers
Self-insured employers
How do State fund employers work?
State fund employers participate in the state insurance fund. The employers pay premiums but do not handle workers' compensation benefits directly. In case of an injury, the state insurance fund through the Bureau of Workers’ Compensation pays the benefits to injured worker. All claims under this category are processed by the Bureau of Workers’ Compensation. Injured employees with a state fund employer cannot get compensation without an order from the Bureau of Workers’ Compensation or Ohio Industrial Commission.
What about Self-insured employers?
Self-insured employers are typically larger employers and do not pay into the state insurance fund. Instead, they pay all compensation benefits directly to the injured worker. They have the authority to decide whether to pay a claim initially. If they opt not to pay, the injured worker can contest the self-insured employer’s decision and file a motion with the Bureau of Workers’ Compensation which will result in a hearing before the Industrial Commission where the injured worker can argue why they are entitled to the compensation.
What distinguishes Self-insured employers from State fund employers in Ohio?
Self-insured employers handle and pay compensation directly to injured workers without needing an intermediary like the Bureau of Workers’ Compensation. In contrast, state fund employers pay into a state insurance fund, from which compensation is drawn for injured workers.
Are there many self-insured employers in Ohio?
Yes, about 30% - 40% of employers in Ohio are self-insured employers. They have responsibilities similar to the Bureau of Workers’ Compensation in how they administrator workers’ compensation claims. Self-insured employers must adhere to rules and regulations set by the Bureau of Workers Compensation and the Ohio Industrial Commission.
How can I ensure my workers' compensation claim is handled properly?
It's advisable to get in touch with an experienced Ohio workers’ compensation attorney, such as those at Justice Law Firm. They can guide you through the process, ensuring you get the compensation you deserve.
How does the Bureau of Workers’ Compensation fit into the picture?
For state fund employers, the BWC processes claims and oversees compensation payouts. For self-insured employers, while they handle compensation directly, they must still operate within the framework of rules and regulations established by the BWC and the Industrial Commission of Ohio.
Is every employer in Ohio required to have workers’ compensation coverage?
Yes, Ohio law mandates that employers with one or more employees obtain workers’ compensation coverage or qualify to be self-insured. This is to ensure protection for workers in case of injuries or occupational diseases.
Would You Like to Speak to an Ohio Workers' Compensation Attorney?
For any other inquiries or concerns related to workers’ compensation in Ohio, please reach out to the Justice Law Firm. We're here to assist you. We welcome your call at 614-543-1320, or we invite you to complete our online contact form at any time.