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Michael J. Duber and Brandon T. Duber

Is Your BWC Check Keeping Up with Rising Costs?

Apr 27, 2026 |

Ohio workers face increased living costs and higher minimum wage standards in 2026. This state has a minimum wage of $11 per hour for non-tipped workers and $5.50 for tipped workers, so it is no surprise that many people struggle to make ends meet. Some workers live paycheck-to-paycheck, so missing any time at work presents challenges, even if that time is because the worker was hurt on the job.

Injured workers will sometimes receive temporary total compensation, which is a wage replacement benefit if they’re unable to work. Workers’ compensation benefits in Ohio typically rely on two key wage calculations: 

  • Full Weekly Wage usually applies during the initial 12 weeks of temporary total compensation. 
  • Average Weekly Wage takes effect afterward and examines earnings from the 52 weeks prior to the workplace injury.

These calculations should capture actual earnings rather than simply basic hourly pay. Issues can emerge when insurance companies overlook overtime pay, bonuses, shift premiums, commissions or other standard compensation elements. When carriers rely on outdated or incomplete wage information, workers may receive smaller weekly payments than they deserve. This can have a negative impact on their ability to support themselves.

The importance of accurate wage information

Workers who routinely earned overtime before their injury could face significant payment reductions if those extra hours are excluded from calculations. This same problem affects production incentives, attendance rewards and other regular pay supplements. During a period of rising wages and costs, even minor calculation errors can impact essential expenses like housing, food, transportation, and medical bills.

Workers can request a rate adjustment through the Ohio Bureau of Workers’ Compensation (BWC) to challenge wage calculations. This process typically begins by collecting earnings documentation, including pay stubs, wage records, W-2 forms, bonus statements and overtime records from before the injury occurred. 

These cases can be complex, so it’s best for the worker to have someone on their side who can help them to learn their options and move their workers’ compensation case forward. It’s critical that all records are fully accurate so the proper calculations can be made.

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