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Workers Compensation in Dayton, OH

You aren’t alone if you wonder how workers’ compensation works.

Workers’ compensation is insurance that provides wage and medical benefits to people who have become ill or injured while at work. How far this coverage goes depends on Ohio state law.

If your injury or illness is eligible for compensation, the insurance carrier should help ease the financial burden.

Learn some of the basic principles of Ohio workers’ compensation insurance and how the process works.

Workers Compensation Statistics in Dayton, Ohio?

Although workplace injuries are on the decline in Dayton, according to the Dayton Daily News, workers still must be on guard. Roadway and transportation accidents, slips and falls, crushing by falling objects, and even electrocutions are still far too common and continue to plague workers. Overexertion also leads to many workplace accidents in Dayton, as this leads to mental and physical strain.

How Does Workers Comp Work in Dayton, Ohio?

Unfortunately, going through the process of applying for workers’ compensation begins with getting sick or injured on the job. The circumstances surrounding the incident that led to your problems are especially crucial. For example, the injury had to occur during your regular work duties. While an event that happens during your lunch break wouldn’t apply, getting into a car accident while running an errand for your boss would qualify for a claim. 

All businesses must carry workers’ compensation insurance in Ohio. According to the Ohio Bureau of Workers’ Compensation, even single-employee businesses are required. If you are injured in a work-related accident or activity, you may be entitled to benefits ranging from medical treatment to disability, and even compensation for lost wages. You could also receive benefits for rehabilitation, and even vocational training for a new job if your accident has left you unable to perform your previous job.

For example, say your supervisor asked you to drop something off on your lunch break. While running this errand you then get in a car accident on your way to the destination. Any resulting injury is eligible for workers’ compensation. However, if you are on your lunch break, performing no such task when you get in an accident, it does not qualify for a claim.

The steps you take immediately following a workplace incident in Ohio are critical for filing a claim. Follow the following steps to preserve your rights and learn how workers comp works.

Get Medical Attention

After you get injured or feel ill, the first step is to see a doctor. Don’t delay receiving help from a Ohio healthcare professional. Taking too long could not only jeopardize your health, but you run the risk of missing deadlines.

Even if you believe your injury is minor, get a proper medical report detailing the extent of the damage and how it occurred. This step is the top priority in the workers’ compensation claim process. Otherwise, your employer cannot file a claim with the insurance carrier.

You may have regular checkups and testing for weeks or months before a doctor finally connects your illness with your job. Your medical records will become the foundation from which the workers’ comp carrier will launch its investigation.

Generally, your doctor determines if the illness happened because of your work conditions or became aggravated by them. Once they do, see your human resources representative to file a workers’ compensation claim.

File a First Report of Injury

Once you have a medical diagnosis relating your illness or injury to your job, you must file a claim with your employer.

Time is the number one priority when dealing with a work-related accident, according to the Ohio Bureau of Workers Compensation. Acting promptly on all fronts can save your health, your career, and establish a proper timeline of events. Something easier for your employers and insurance carriers to follow. If you sustain an injury while working, you must tell your employer as soon as possible. You also need to seek medical treatment immediately. Taking quick, decisive action in these areas will allow you to navigate any future disputes, should they arise.

Timeline and Other Information

After you file a claim in Dayton, your employer is required to report the incident to their insurance provider. The insurance carrier then has 28 days to decide whether to approve or deny your claim. If approved, you may receive benefits equal to approximately 72% of your pre-injury salary for up to 12 weeks. After this period, benefits typically decrease to around 67% of your average weekly wage.

Your employer should provide details about the claims process, and the insurance adjuster may contact you to discuss the incident and gather statements from witnesses. While the investigation is ongoing, the workers’ compensation insurer may start covering your medical expenses to ensure you receive treatment without delay.

Why You Should Hire a Dayton, Ohio Workers’ Compensation Lawyer

While workers’ compensation claims may be straightforward for some cases in Dayton, Ohio, in others, it may be more difficult. For example, your employer might ask if you suffer an injury on the clock or on your own time. It’s also common for a company to question the full extent of your injury. Hiring a Daytonworkers’ comp lawyer ensures that you have an advocate to fight for your rights as a victim.

Work With an Experienced Local Lawyer In Dayton, Ohio

If you are hurt or contract an illness as a result of your job in Dayton, Ohio you need to find the right people to help. Since the workers’ compensation claims process can have pitfalls, you should consider getting a local attorney who knows how to avoid them. 

Submit a request online or call us today at (866) 345-6784 to get in touch with an experienced lawyer in your area!

About the Author

Aaron is a professional legal writer with a B.S. in English Education from Southern Illinois University – Carbondale. He has written, published, and edited thousands of legal articles for RequestLegalHelp, which has connected over 5 million people to legal help in the United States.

With over five years of experience writing thousands of legal articles for law firms across the U.S. and Canada, Aaron specializes in covering federal, state, and city-level legal issues ranging from auto accidents to wrongful terminations.

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