Workers deserve the best possible protection when they are on the job, especially when their employment is potentially hazardous like construction or emergency services. But if employers had to be prepared to pay medical expenses on their own, few small- or medium-sized businesses would survive an accident or two.
Pain and injury on the job is one of the most terrifying situations that a lot of workers could face. Many government regulations, including all of the ones enforced by the U.S. Occupational Safety and Health Administration (OSHA), and several individual procedures used by companies are there simply to keep workers safe and stop them worrying about their safety.
When people are hurt on the job in Ohio, they have a lot of options to help them recover from it. Minor injuries may require a trip to the doctor, and many employers offer a health insurance option that may pay or defray the cost for medical care. But serious injuries that are related to work may be covered by workers' compensation claims.
Those who have worked for any length of time already know that workers' compensation provides financial benefits after a work injury. The existence of the program gives Ohio workers comfort because they know that help is available in the wake of an on-the-job injury. However, knowing about workers' compensation is not the same as understanding how it works.
In truth, it is not dwarf benefits; it is DWRF benefits and it can make all the difference for Ohio workers brought down by a workplace injury. An acronym for Disabled Workers' Relief Fund, DWRF can supplement your workers' compensation benefits if an on-the-job injury results in a permanent disability. It can also supplement Social Security Disability (SSD) payments as well.
Black lung disease, or pneumoconiosis, sounds like an illness that plagued victims in a long lost era. While it is true that this pulmonary condition is ancient, it is still harming far too many Ohio coal miners.
According to a report, about 117,000 members of the Ohio workforce suffered an injury or illness in 2017 due to workplace hazards. This level of occupational injury highlights how necessary the state's workers' compensation program is to employees. Workers rely on these benefits to fill the gap when an illness or injury takes them away from their jobs.
As you no doubt are aware, working for a living can sometimes be hazardous to your health and well-being. From workplace accidents to dangerous chemical exposure, nearly all work opportunities come with at least some amount of risk. The workers' compensation program exists to protect employees against the financial hardships that accompany a work injury or illness. Some of these benefits include:
Workplace accidents typically result in only minor injuries. Unfortunately, sometimes these incidents leave a worker suffering from total disability. In some cases, the disability may be permanent, but in many others, injured workers will recover enough to return to work.
Of all the health risks present in a workplace, exposure to toxic substances is perhaps the most insidious. In many cases, workers cannot even see these substances, making it difficult to protect themselves from exposure. Further, unbeknownst to workers, toxic hazards exist in many industries -- even those that may seem very safe. Following is a partial list of substances that could cause health problems.