Understanding your workers’ compensation coverage is crucial if you are an Ohio worker who travels for your job. Ohio’s workers’ compensation law provides extraterritorial coverage, which extends to injuries that occur while you are temporarily working out of state. You can protect yourself and avoid potential complications by understanding these key points.
Understanding extraterritorial coverage
Ohio’s extraterritorial coverage applies when you are temporarily working outside the state. This coverage ensures that if you get injured while performing work-related duties out of state, you can file a claim with the Ohio Bureau of Workers’ Compensation (BWC) just as you would for an injury that occurred within Ohio.
Key points to remember
- Temporary work: The out-of-state work must be temporary and incidental to your Ohio employment. There is no set time limit, but the work should not be a regular part of your job.
- Filing claims: You must file your workers’ compensation claim in Ohio. This ensures you receive the benefits and protections Ohio’s workers’ compensation system provides.
- Risks of non-compliance: If you file a claim in another state, the Ohio BWC may not cover it, and your employer could face penalties for being uninsured in that state.
By understanding these key points, you can ensure your coverage and avoid potential complications.
Steps to take if injured out-of-state
If you suffer a work-related injury while temporarily working out of state, follow these steps:
- Report the injury: Notify your employer immediately about the injury. Prompt reporting is crucial for a successful claim.
- Seek medical attention: Get medical treatment as soon as possible. Ensure the healthcare provider documents the injury and its connection to your work duties.
- File a claim in Ohio: Submit your workers’ compensation claim to the Ohio BWC. Include all necessary documentation and medical records to support your claim.
By taking these steps, you can protect your rights and ensure you receive the benefits you deserve.
Understanding your workers’ compensation coverage when working out of state is essential for your protection.