The Ohio Bureau of Workers’ Compensation (BWC), with assets of $21 billion, is one of the largest state-run insurance systems in the country. The BWC ensures that employees who have been injured on the job or who have developed occupation-related diseases receive medical care, rehabilitative services and wages that have been lost.
The BWC’s goal is that employees achieve a complete recovery with a return to work and quality of life as soon as possible.
However, some injuries and illnesses are devastating. For these, other benefits apply:
- Retraining if needed, because the harm the worker sustained might mean new skills have to be developed to reenter the work environment.
- Permanent partial disability even if an employee returns to work.
- Permanent total disability for permanent damage when the employee is unable to return to work.
- Death benefits to survivors of the worker who died as a result of the on-the-job injury or job-related illness.
Workers’ compensation does not compensate for pain and suffering or for mental anguish.
Some caveats apply
The employee must comply with the BWC’s administrative requirements and hard deadlines have to be met. Once the workers’ compensation claim is submitted, compensation does not cover the first seven days lost and will not begin until the worker has been out of work for 14 days.
Finally, claims can be disputed or denied, either by the employer or the BWC. Employees do have the right to appeal and to contest claims in the court system.
Whether you’re dealing with a denied claim or you simply have questions about the process, it can be very helpful to speak with an experienced workers’ compensation attorney. Managing the financial side of injury or illness effectively is vital to a speedy and complete-as-possible recovery.