The state of Ohio requires Ohio employers to provide insurance coverage for workplace injuries and illnesses. However, not all employers pay into the state’s workers’ compensation fund. If that is the case for your work place, your employer may be a Self-Insured Employer.

Nearly one third of Ohio employers are self-insured so it is important to know the difference between state workers’ compensation insurance and self-insured employers.

Self-insured companies pay the bills for your work injury directly rather than through the state.

Many large companies or corporations have the funds and resources to be self-insured, but this should not affect your coverage as an employee.

Self-insured employers’ insurance still provides the following:

  • Workers’ compensation benefits entitlement from your employer following a work injury or occupational illness
  • Entitlement to the same benefits as all other Ohio workers
  • Entitlement to appeal your claim if it is denied by your employer (must appeal the denial through the Industrial Commission of Ohio)

If you have been injured at work and your employer is self-insured, I cannot stress enough how important it is to seek legal counsel. An attorney will help you obtain the compensation and benefits you deserve.

Many callers often ask me, “what if my employer doesn’t have workers’ compensation coverage at all when I am injured on the job?

There are several things that can happen:

  1. The state of Ohio will pay your claim
  2. The attorney general would then pursue your employer for reimbursement of the coverage they paid towards
  3. Your employer will then be considered a non-compliant employer by the state of Ohio

If your self-insured employer does not proceed with fairness or mishandles your claim, I urge you to contact my office immediately for a consultation. You may also consider completing an SI-28 form, Filing of Allegation Against a Self-Insured Employer.

If you were hurt at work, you need to protect your rights. Call me at 1 (855) 800-0384. As your Ohio workers’ compensation lawyer, I’ll be there for you, and I’ll Make Them Pay!®

Summary
Article Name
Workers’ Compensation Claims for Self-Insured Employers
Description
If you are injured during the course of your work day you are entitled to fair compensation regardless of whether your employer participates in the state's workers compensation program or is self-insured. Workers' compensation laws were design to protect and compensate employees during their time of need.
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