Workers Compensation in Ohio
State-specific overview · Employment Law
Ohio operates a state-administered workers' compensation system through the Ohio Bureau of Workers' Compensation.
How Ohio treats Workers Compensation
Ohio is one of four states with an exclusive state fund system; employers must purchase coverage through the Ohio Bureau of Workers' Compensation rather than private insurers. The state fund covers medical expenses, wage-loss benefits at two-thirds of average weekly wages, and permanent disability awards. Employees generally cannot sue employers for workplace injuries covered by workers' compensation. The system emphasizes safety programs and return-to-work initiatives.
The general definition of Workers Compensation
Insurance that provides medical benefits and wage replacement to employees injured during work.
Workers compensation is a form of insurance that employers are required to carry to protect employees who are injured or become ill as a result of their job. When an employee is hurt at work, workers compensation covers medical expenses, rehabilitation costs, and a portion of lost wages while the employee recovers. In exchange, the employee generally gives up the right to sue the employer for the injury. The system is designed to provide quick, predictable benefits without the need for a lawsuit. Benefits vary by state and depend on the severity of the injury.
Read the full Workers Compensation entry →This page is a plain-English reference and is not legal advice. State laws change frequently. For specific situations consult a licensed attorney in Ohio.