In so many posts, we talk about the quick examples. In this post, we use an example to frame how the Ohio workers’ compensation system works. For example, a nurse in Cleveland, Ohio, injured their back while lifting a patient. They are now worried about how they can pay their bills and take care of their kids while they recover from the injury. They are also worried about losing their job and retaliation from their employer. Fortunately, like you, this nurse has rights and options under the Ohio workers compensation system, which is designed to protect workers who have been hurt on the job.
The Ohio workers’ compensation system is a no-fault system that provides benefits to workers who suffer work-related injuries or illnesses. This means that you do not have to prove that your employer was negligent or at fault for your injury. You only have to show that your injury occurred in the course of and arising out of your employment.
If you are unable to work or have reduced earnings because of your injury, you may be eligible for wage loss compensation. This benefit pays a percentage of your pre-injury wages, up to a maximum amount per week.
If you need medical treatment for your injury, you may be entitled to have your medical bills paid by the Bureau of Workers’ Compensation or your employer’s managed care organization. You may also be reimbursed for out-of-pocket expenses, such as prescriptions, mileage and co-pays.
If you have a permanent impairment or loss of function as a result of your injury, you may qualify for a permanent partial disability award. This benefit is based on a percentage of impairment assigned by a doctor or a hearing officer.
If you are unable to return to work for more than seven days due to your injury, you may receive temporary total disability compensation. This benefit pays 72% of your full weekly wage for the first 12 weeks, and then 66.67% thereafter, up to a maximum amount per week.
If you are unable to work in any capacity because of your injury, you may be eligible for permanent and total disability compensation. This benefit pays 66.67% of your average weekly wage for life, subject to annual cost-of-living adjustments.
If you lose a body part or its use because of your injury, you may receive a lump sum payment based on a schedule set by law. If your injury results in death, your dependents may receive death benefits. This benefit pays 66.67% of your average weekly wage to your spouse and minor children, up to a maximum amount per week. Your spouse may also receive a lump sum payment for funeral expenses.