In Ohio workers’ compensation claims, there are two different types of employers that exist:
- State fund employers
- Self-insured employers
If a worker is injured on the job, they should receive compensation regardless of the type of employer, but the way that they system works does differ.
State Fund Employers
State fund employers participate in the state insurance fund. These employers pay a premium, and do not pay workers’ compensation benefits directly. If a worker is injured, the state insurance fund would pay the benefits to the state fund employee.
The Bureau of Workers’ Compensation processes the claims made within the state fund. This means that if an employee is injured, and their employer is state funded, they will not receive any payment without a Bureau or Commission order.
Self-insured employers do not pay premiums, therefore they pay all workers’ compensation and benefits directly to the injured worker. This means that they make the initial decision on whether or not to pay a claim.
If the self-insurer decides not to pay a claim, the worker that is asking for compensation would file a motion and the workers’ compensation issue would go through the hearings process.
Filing a Workers’ Compensation Claim
It can be difficult to know the legal steps to take if you are filing a workers’ compensation claim. The most important thing to do is to contact an Ohio workers’ compensation lawyer to help you through the process. Without a lawyer’s knowledge and experience, you may not receive the compensation that you deserve.
To speak to an Ohio workers’ compensation lawyer, call 800.637.8170. The lawyers at the Charles E. Boyk Law Offices can review your case with you over the phone and get your workers’ compensation claim started.