Quick Answer
Complete guide to Ohio BWC workers' compensation benefits including temporary total disability, permanent partial disability, and medical treatment.
Ohio BWC provides medical treatment and wage replacement benefits for work-related injuries.
Medical Benefits
Coverage: All reasonably necessary medical treatment Duration: For life as needed Provider: BWC-certified physicians No cost: Worker pays nothing Includes: Doctors, hospital, surgery, medications, therapy, equipment, mileage reimbursement
Temporary Total Disability (TTD)
When: Cannot work at all due to injury Rate: 72% of full weekly wage Maximum (2026): Approximately $1,087/week Minimum: Lesser of 72% of wage or $218/week Waiting period: None (benefits begin immediately) Duration: Until return to work, reach maximum medical improvement, or maximum of 200 weeks
Temporary Partial Disability (TPD)
When: Return to work at reduced wages Rate: 72% of wage loss difference Maximum: Same as TTD
Permanent Total Disability (PTD)
When: Permanently unable to work in any capacity Rate: 66.67% of AWW Maximum (2026): Approximately $1,020/week Duration: For life Difficult standard: Must prove cannot do any sustained remunerative employment
Permanent Partial Disability (PPD)
When: Permanent impairment but can work Based on: Impairment rating from physician Calculation: % impairment × number of weeks for body part Paid: Lump sum or biweekly
Scheduled injuries (specific body parts):
- Arm: 200 weeks
- Leg: 200 weeks
- Hand: 150 weeks
- Foot: 125 weeks
- Eye: 100 weeks
- Thumb: 40 weeks
- Fingers: 15-35 weeks
Non-scheduled injuries: Evaluated by BWC physician
Wage Loss Benefits
Beyond PPD: If earning less after injury due to work-related limitations Rate: Percentage of ongoing wage loss Duration: May continue beyond PPD
Death Benefits
Dependents: Spouse, children, other dependents Amount:
- Spouse only: 66.67% of AWW
- Spouse + children: Additional percentage Duration:
- Spouse: Until remarriage (lump sum = 2 years benefits on remarriage)
- Children: Until age 18 (age 25 if full-time student, no limit if disabled) Burial: Up to $5,500
Vocational Rehabilitation
When: Cannot return to previous employment Services: Job training, education, placement Funding: BWC pays for approved services
Living Maintenance
During rehab: Additional allowance for living expenses during training
FAQs
Q: Are workers' comp benefits taxable? A: No, all BWC benefits are tax-free.
Q: Can I receive BWC and Social Security Disability? A: Yes, but BWC may offset to prevent total benefits exceeding 80% of pre-injury earnings.
Q: How long do TTD benefits last? A: Up to 200 weeks maximum (though most don't reach maximum).
Q: Can I get a lump sum? A: PPD can be paid lump sum. TTD and PTD typically paid biweekly, but may settle for lump sum.
Q: What if I can work part-time? A: You may receive TPD or wage loss benefits for earnings difference.
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Last updated: January 5, 2026
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