Workers' Compensation Claims and Self-Insured Employers
Many large employers insure themselves for workers' compensation claims filed by their employees. When an employer pays the bill rather than a state insurance fund, you may need a lawyer's help to obtain your rightful benefits.
At the law firm of Seaman Garson LLC in Cleveland, Ohio, we represent the rights of injured and disabled workers against self-insured employers. We offer a free consultation to discuss your rights and options.
Does Workers' Comp Work Differently for Me?
Even though your employer is self-insured (meaning that it opts out of the state workers' compensation fund and pays its own claims) you have the same rights as other injured workers in Ohio:
- You are entitled to workers' comp benefits from your employer if you suffer an on-the-job injury or occupational illness.
- You are entitled to the same benefits as other Ohio workers
- If your claim is denied, you can appeal that decision to the Industrial Commission of Ohio.
What if My Employer Doesn’t Pay My Claim or Goes Bankrupt?
If your employer doesn’t have workers’ comp coverage on the day you are injured, the state of Ohio will pay your claim and the attorney general will go after your employer for reimbursement. The state of Ohio considers the employer a non-compliant employer, but that does not impact your rights in any way.
If your employer goes bankrupt, the state of Ohio will step in as the guarantor of your payments.
Protect Your Rights: Free Attorney Consultation
If you work for a self-insured employer and were injured on the job, contact our Cleveland, Ohio, workers' compensation lawyers to arrange a free consultation.
