Injured at Work? Understand the Basics of Ohio Workers’ Comp
Suffering a work-related injury is undoubtedly a difficult, traumatic experience. But by understanding Ohio’s workers’ compensation program and the steps necessary to filing a compensation claim, you can ensure yourself a quick start down the road to recovery.
Workers’ compensation is a program designed to help employees in a time of need. It acts as a type of insurance that includes, but is not limited to, wage replacement as well as medical benefits. Ohio’s Bureau of Workers’ Compensation (“BWC”) is a government agency that covers any work-related injury in the state of Ohio, unless the injury is self-inflicted or the result of horseplay.
Money may be your primary concern following a work-related injury, but if you file a claim properly, you may be entitled to more than money different different types of compensation. The amount of your benefits varies on the extent of your injury , the wage rate you were making prior to your injury, and what rate the BWC sets your wages at. The BWC pays benefits for lost time (TTD) and permanent total (PTD) only if medically substantiated.
To receive compensation, you must file a comp claim. In the occurrence of an injury, it is important to remember to keep a record of everything that happens, including all paperwork. This way your claim will be recognized accordingly and all possible benefits can be sought. The BWC oversees this process from beginning to end and has the authority to allow or disallow your claim depending on the information they receive. Therefore, it is critical for you to be as thorough as possible in your account.
When an injury occurs, your employer should be notified immediately. Let your employer know the exact events that transpired and make a detailed incident report. Seek medical attention and your physician will submit an injury report electronically or will fax the First Report of Injury, Occupational Disease or Death (FROI-1) form to your BWC’s Managed Care Organization (“MCO”) within 24 hours. MCOs works alongside the BWC to manage the medical portion of workers’ compensation claims. MCOs are chosen by the employer and not working in the best interest of the injured worker. Your attorney is concerned with your best interest.
At Taubman Law, we take the legal steps necessary to ensure your claim is not only opened and handled properly, but also that you receive benefits so that your claim will remain open for as long as possible based on your date of injury and the benefits that you receive. We can assist you during the entire process, oversee the steps taken and make sure you understand your rights and benefits. It is a tough process to navigate. We make it easier and ensure your rights are protected.
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This post was written by Cleveland attorney Bruce D. Taubman, who practices workers’ compensation, personal injury and medical malpractice throughout Ohio.
