This type of situation is very confusing to someone who is injured.
There are two kinds of employers in Ohio, state funded and self-insured. The “state fund” employer buys workers’ compensation coverage through the State, just as you and I buy car insurance. The State of Ohio BWC administers the claim and pays benefits.
A “self-insured” employer is a company with over 500 employees. Ohio allows them to manage their own claim initially and pay benefits from company funds. However, a “self-insured” employer is subject to all the laws and rules that govern the Workers’ Compensation System. If there are disputes, they are mediated at hearings before the Industrial Commission.
The confusion comes in the way that a “self-insured” employer explains this to an injured worker. Often they will intentionally mislead the worker into believing that there is no claim because they are “self-insured.” Or the employer or its representative will tell the injured worker that they are taking care of everything because they are “self-insured” and the claimant is never aware of other potential benefits under the claim.