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What is a monopolistic state? Monopolistic states require businesses to purchase workers comp insurance through a state-run fund. There are currently four monopolistic states for workers compensation: Ohio, North Dakota, Washington, and Wyoming.
Monopolistic workers compensation states require employers to provide workers comp insurance coverage for their employees through a state fund rather than a private insurer.
BWC has physical offices around the state. If you have questions, we invite you to reach out to our Customer Contact Center by calling 1-800-644-6292. Locate a service office - Ohio.gov ohio.gov about-bwc contact-us loc ohio.gov about-bwc contact-us loc
Temporary exposures: 90-Day Rule Ohios workers compensation laws now recognize the extraterritorial coverage of an out-of-state employer for 90 consecutive days. The 90-Day Rule is applicable to all industries, including the construction industry.
Employers headquartered outside of the state with employees working in the state may have the option, under certain circumstances, to seek exemption from the monopolistic system. As of 2024, only four states in the U.S. have monopolistic workers compensation systems: Ohio, North Dakota, Washington, and Wyoming.
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In that case, you may qualify for time-loss compensation due to the fact that youre temporarily unable to return to work. Typically, the workers comp system in most states offers 66% of your wages. Depending on the state, you may receive your salary benefits weekly, bi-weekly, or once a month.
Monopolistic states require employers to buy WC coverage directly from the states designated workers compensation program (Today only OH, WA,ND and WY are monopolistic).
The workers comp claim process takes 30 days. The approval process determines whether the claim gets approved or denied and can take up to four weeks. After the BWC makes a decision, an employer or employee can file an appeal within 14 days. If an appeal gets filed, the Industrial Commission of Ohio hears the dispute.

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