Post by: Eric Jones | Posted Date: May 20th, 2014 | Categories: Columbus Workers Compensation Attorney
If you are injured on the job or become ill as a result of your work, you may be entitled to workers’ compensation benefits. An insurance program required by state law, workers’ compensation provides payments to employees for work-related illnesses and injuries. Typically, the payments consist of compensation for medical bills and partial pay for the time that the claimant cannot work. Regardless of who was at fault for the injury or illness, employees can receive compensation. In exchange for these benefits, however, employees usually forfeit the right to sue their employers for their illness or injury, though there are some exceptions to this rule.
Each state has its own workers’ compensation program and laws. In Ohio, workers’ compensation benefits are provided through the state and there are no private workers’ compensation insurance companies. However, the Ohio Bureau of Workers’ Compensation (BWC) does allow employers to be self-insured if they receive approval from the state.
Employers Required to Provide Workers’ Compensation Coverage
Every employer in Ohio with one or more employees is required to have workers’ compensation insurance, whether their employees are part-time, full-time, or seasonal. The only type of employee who does not qualify to receive workers’ compensation benefits is a single domestic employee who earns less than $160 every three months. If you are an independent contractor, you must be self-insured. Any company that hires you as an independent contractor will ask for a copy of your Certificate of Premium Payment as well as verify your dates of coverage.
Eligibility Requirements for Workers’ Compensation
In order to qualify to receive workers’ compensation benefits, you typically must meet the following three requirements:
An injury is considered work-related if an event or exposure in your work environment caused or contributed to the condition. Your work environment may include not only physical locations but also the materials and equipment used in the course of your work. Injuries that occur while an employee is on travel status are also considered work-related if the employee was engaging in work activities for the employer.
Your Rights as an Injured Worker
If you are injured at work or contract an occupational disease, you have the right to promptly receive workers’ compensation benefits. You also have the right to access high-quality healthcare from a BWC-certified healthcare provider and to have your approved medical bills paid.
Injured workers can file a workers’ compensation claim by filling out the First Report of Injury (FROI) and sending it to the BWC. However, most claims are filed by the managed care organization once your employer or healthcare provider notifies them about your injury or disease. That means if you’ve been treated for a work-related injury, a claim may have been filed on your behalf already. You can check with the BWC to be sure.
Get Compensated for Work-Related Injuries
If your workplace injures are moderate to severe and your doctor believes that you won’t recover completely after your injury, hiring a workers’ compensation attorney in Columbus, Ohio to help you file your claim may be a wise move. Understanding the workers’ compensation claims process can be a struggle without the assistance of a lawyer who has your best interests in mind. To get help with your Ohio workers’ compensation claim, set up a free consultation with Jones Law Group by calling (614) 545-9998 or filling out our online contact form.