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Cincinnati Workers’ Compensation Attorneys: Help for Injured Workers
Workers’ Compensation is designed to provide medical and wage benefits to employees who suffer work-related injuries or illnesses.
While you are not required to hire an attorney to file a Workers’ Compensation claim, a knowledgeable lawyer can guide you through what is often a complicated process and work to ensure that you receive the maximum benefits for which you’re eligible. An experienced Workers’ Compensation attorney can also help you appeal a claim you believe was wrongfully denied.
The attorneys at Young, Reverman & Mazzei are dedicated to protecting the rights of injured workers from Ohio, Kentucky and Indiana. If you or a loved one was hurt in a job-related accident and have questions about Workers’ Compensation, call us at 800-721-1678 or contact us online for a free initial consultation.
What is Workers’ Compensation?
Workers’ Compensation is a form of insurance that provides medical and wage-replacement benefits to employees who suffer injuries in the workplace or during the course of performing job-related duties.
Each state manages its own Workers’ Compensation program. While Workers’ Compensation covers most workers, individual states make exclusions for certain types of businesses and employee categories.
Workers’ Compensation insurance makes it easier for injured workers to receive care and compensation for their injuries, but it also benefits businesses. Workers’ Compensation benefits generally eliminate an employee’s right to file a lawsuit against his or her employer for injury-related damages, although there are some exceptions.
Injuries Covered by Workers’ Compensation
When it comes eligibility for Workers’ Compensation, the primary rule is that the injury must have been acquired during the course of your duties or as a result of your duties. Depending on the individual state laws governing Workers’ Compensation, this could include:
- Injuries suffered on your employer’s property
- Injuries acquired as a direct result of your work (such as lifting heavy objects, driving a company vehicle in dangerous weather conditions, etc.)
- Injuries suffered on other properties, but while “on the clock”
Workers’ Compensation typically does not cover:
- Injuries caused by an employee’s use of alcohol or other drugs
- Self-inflicted injuries
- Injuries sustained while an employee was committing a crime
- Injuries suffered while the employee was not working
- Injuries acquired due to an employee’s violation of company policy
Work-related injuries covered by Workers’ Compensation are not limited to physical injuries that stem from a single incident. For example, repetitive-stress conditions such as carpal-tunnel syndrome and illnesses related to toxic chemical exposure may be covered by Workers’ Compensation.
Workers’ Compensation Benefits
Most Workers’ Compensation benefits rulings are based on the severity of the injury, which may be categorized as medical-only, short-term disability, permanent disability, or fatality.
Again, it’s important to note that each state has different rulings and standards. But most workers who receive a medical-only or disability designation are entitled to benefits that include:
- Medical costs, including money for future medical expenses associated with the injury
- Wage replacement at a percentage of your regular salary
- Vocational training if you are unable to continue working in your previous capacity
Workers’ Compensation may also provide benefits to surviving family members if a loved one’s workplace injury resulted in death.
Workers’ Compensation Claims in Ohio, Kentucky and Indiana
The Workers’ Compensation programs in Ohio, Kentucky and Indiana vary in a few ways, such as which employees are covered and the benefits they may receive. Following is a brief overview of Workers’ Compensation in Ohio, Kentucky and Indiana.
Ohio Workers’ Compensation
In Ohio, employers with one or more employees must offer (and notify employees of) Workers’ Compensation coverage. If an employee is injured, the business has one week to report it to the Ohio Bureau of Workers’ Compensation.
Employees who are injured must file a claim with the Bureau within two years, and the Bureau has 28 days to accept or reject the claim. After that, employees have 14 days to file an appeal. The Bureau then has 28 more days to make a decision, and the ruling will be given in a written notice.
In each injured worker claim, the employee must show proof of employment, proof of accidental injury, and proof that the injury was acquired during or arising from their work. For these reasons, many Ohio employees seek representation to ensure the best outcomes for their claim.
Kentucky Workers’ Compensation
In Kentucky, all employers are required to offer Workers’ Compensation if they have one or more employees. Employers can purchase private Workers’ Compensation insurance or use the state-administered Workers’ Compensation Fund. Claims must be filed with the Department of Workers’ Claims in the litigation management system by a business or a legal representative (employees themselves cannot file).
For employees who are injured at work and require medical attention, you must inform your supervisor within 24 hours. You must then file a First Report of Injury form, which has to be filed within 30 days of the injury.
For non-medical injuries, employees have up to two years to file a claim for benefits, although they still need to submit a First Report of Injury within 30 days. After submitting a claim for benefits, you will be provided a written response within 30 days of receipt. You will be notified via mail once the ruling is complete, but you can file an appeal to the administrative law judge within 30 days of receiving a rejection notice.
Many injured employees choose to seek legal representation because of the complexities of Kentucky’s Workers’ Compensation laws and processes.
Indiana Workers’ Compensation
In Indiana, all employees must be covered by Workers’ Compensation, with the exception of some independent contractors and certain types of businesses.
The injured employee must submit notice to their employer within 30 days of a work-related injury, but they have two years to file a claim with the Workers’ Compensation Board of Indiana. If your claim is denied, you may submit a formal application for a claim adjustment, which will involve a hearing with the Workers’ Compensation Board.
Because evidence is needed to submit a claim (coworker testimony, wage stubs, medical bills, etc.), it is advisable to work with an experienced Workers’ Compensation lawyer to build a proper case supporting your claim.
Workers’ Compensation Attorneys Serving Ohio, Kentucky and Indiana
The Cincinnati-based law firm of Young, Reverman & Mazzei was founded in 1972 to help injured workers, and our attorneys have since established an extensive record of success in Workers’ Compensation cases in Ohio, Kentucky and Indiana.
Whether you need help filing your benefits claim or appealing a denied claim, our lawyers can help preserve your Workers’ Compensation rights through quick action and extensive documentation. We will also analyze your circumstances to determine if you may be eligible for Social Security Disability benefits in addition to Workers’ Compensation benefits.
Call us today at 800-721-1678 or contact us online for your free consultation.
In Ohio, we welcome clients from the greater Cincinnati and Dayton areas. Our Workers’ Compensation lawyers also serve clients from Campbell County, Boone County and Kenton County in Kentucky, and Dearborn County in Indiana. Please see our Locations page for a full list of our offices and directions.