What is Workers Compensation?The Oklahoma Workers Compensation Code requires most employers to carry insurance to provide medical, rehabilitation, and disability benefits for workers who are injured on the job.
Who is covered by workers compensation insurance in Oklahoma?Most employees, with few exceptions, are covered according to the Oklahoma Workers Compensation Code. Exceptions include independent contractors, who are not considered employees; those covered for job-related injuries under federal law; certain agricultural workers; real-estate brokers paid on a commission basis; anyone employed by an employer with five or fewer employees, all related by blood or marriage; owner-operators of a truck-tractor; and others as outlined here.
What should I do if I am hurt at work?As soon as possible, report the accident, injury, or illness to your employer or a supervisor. If you do not report the injury within thirty days, you will be unable to file a workers compensation claim. If possible, make sure the injury is reported in writing; never sign a blank accident report form. Keep copies of any report forms or documentation of the accident or injury.
Is my injury or job-related medical condition covered by the Oklahoma Workers Compensation Code?Compensable injuries and occupational illnesses are those which "arise out of and in the course" of job duties. Workers compensation covers injuries and illnesses sustained in the course of job performance without regard to fault. Excluded injuries include those resulting from intentional injury, voluntary intoxication, failure to use safety devices, and horseplay or employee misconduct.
What type of benefits might I receive under the Oklahoma Workers Compensation Code?Weekly income benefits vary according to the injured employee's average weekly income and the nature of his or her injury--for example, whether the employee sustained a temporary or permanent disability, and whether the disability is total or partial. Common benefits include:
- Weekly income benefits
- Temporary Partial Disability benefits
- Permanent Partial Disability benefits
- Death benefits for surviving spouse and dependents