BWC pays medical benefits and lost wages to employees who are injured or contract an occupational disease on the job. We also pays death benefits to survivors when a death results from a work-related injury or disease.
Ohio law requires employers to obtain workers' compensation insurance for all employees. As such, we define Ohio employers as either state-fund or self-insuring.
State-fund employers pay an insurance premium to BWC. We then pay compensation benefits directly to the injured worker. A managed care organization (MCO) manages the health-care activities/decisions and helps the injured worker return to work. For more details, refer to Understanding an MCO.
Self-insuring employers pay workers' compensation benefits directly to their employees. Refer to Understanding self-insured claims for more information.
If you don't know if your employer is state-fund or self-insuring, ask your employer.
Click on one of the links below for additional information on workers' compensation in Ohio.