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Ohio
Workers' Compensation Guide:
Type
of Employer
There are two different types of employer in the Ohio
Workers' Compensation system: state fund employers and self-insured
employers. Although the same compensation and benefits should be paid
regardless of who the employer is, the way the system works depends on
what type of employer is involved.
State fund employers participate in the state insurance
fund. They pay a premium, and do not pay workers' compensation benefits
directly. Workers' Compensation benefits for state fund employers are
paid from the state insurance fund.
State fund claims have to be processed through the
workers' compensation system in order to be paid. They are initially
processed by the Bureau of Workers' Compensation. No payment can be
made in state fund claims without a Bureau or Commission order.
Self-insured employers do not pay premiums. They pay all
compensation and benefits directly to the injured worker.
Self-insured claims are processed differently than state
fund claims. Because self-insurers pay compensation directly, they can
pay compensation or benefits directly, without any order. Self-insurers
make the initial decision on whether or not to pay a claim.
If the self-insurer chooses not to pay, then the issue
can be contested through the hearings process. To get a hearing you
must file a motion after the self-insurer refuses payment. For more
information about the hearings and appeals process, click here.
Another difference between state fund and self-insurers
involves the application of the managed care medical system, for
payment of benefits. This is explained on our managed
care page.
Other information:
JaffyLaw.com:
Other Web Sites:
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Workers' Compensation Guide
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